Las Cruces requires short-term rental operators to carry a minimum of $500,000 in liability insurance as a condition of registration.
The Las Cruces short-term rental ordinance requires operators to maintain a minimum of $500,000 in liability insurance covering the rental. Proof of coverage is part of the registration process handled through the Community Development Department and Visit Las Cruces. The insurance requirement sits alongside safety obligations - working smoke detectors with annual battery replacement, marked egress at each exit, and a serviced fire extinguisher within 10 feet of cooking areas - and the city may conduct a fire inspection with 24 hours' notice. Requirements took effect January 1, 2026.
Operating without required insurance or safety compliance is a registration violation: $50-$300 first offense, $300-$500 after, up to mandatory revocation.
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