Larimer County's STR ordinance sets no fixed liability-insurance dollar minimum, but the owner must agree to hold the county harmless for any injury or damage from operating the rental. Carrying commercial or platform host liability coverage is strongly advisable.
The ordinance's indemnification clause (Section 5) states the county assumes no responsibility for the STR's operation and the owner agrees to hold Larimer County harmless for any injury or damage of whatever type or nature resulting from the rental. Rather than mandating a specific coverage amount, the county shifts liability entirely to the owner — meaning an operator who lacks adequate insurance bears the full financial risk of a guest injury or property claim. Most hosts satisfy this by carrying a landlord/short-term-rental policy or relying on host protection offered through booking platforms, on top of the life-safety inspections the county requires.
There is no fine for lacking insurance, but the owner is personally liable for all injury and damage claims; life-safety inspection failures are separately enforceable.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Larimer County, CO
Larimer County addresses hoarding through its pet-quantity and care standards. Sec. 6-80 requires proper food, water, shelter, and veterinary care, and Sec. ...
Larimer County, CO
Feeding wild ducks and geese is prohibited in unincorporated Larimer County after a written warning. Feeding bears and other wildlife is discouraged, and the...
Larimer County, CO
Larimer County sets no ordinance banning backyard composting, and it is encouraged for waste reduction. It must not become a nuisance. Fort Collins allows ho...
Larimer County, CO
Larimer County sets no specific ban on artificial turf, and Colorado law now protects nonvegetative turf grass from HOA prohibition. Check your city's landsc...
Larimer County, CO
Larimer County does not require native plants, and Colorado law protects your right to xeriscape. Under C.R.S. § 38-33.3-106.5, HOAs cannot ban xeriscape, dr...
Larimer County, CO
Colorado law lets a single-family or small multi-family household collect rooftop rainwater in up to two rain barrels holding no more than 110 gallons combin...
See how Larimer County's insurance requirements rules stack up against other locations.
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