Las Vegas, NV Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $500,000 general liability insurance
- Insurer requirement
- Must be licensed in Nevada
- Proof required
- Certificate filed before renting starts
- Duration
- Maintained continuously while license is active
Summary
Las Vegas requires every short-term rental operator to carry at least $500,000 in general liability insurance and file proof with the Department of Community Development before renting begins.
A certificate of insurance evidencing general liability insurance coverage in a minimum amount of five hundred thousand dollars. Such certificate must have been issued by an insurer licensed to do business in the State of Nevada. ... The operator of a short-term residential rental must obtain, and continuously thereafter maintain, valid liability insurance coverage in the minimum amount specified by Subsection (H) of LVMC 6.75.040.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 61).
Full Breakdown
Every application for a short-term residential rental license in Las Vegas must include a certificate of general liability insurance for at least $500,000, issued by an insurer licensed in Nevada, per LVMC 6.75.040(H). LVMC 6.75.090(J) requires the operator to keep that coverage in force for as long as the license stays active, not just at the time of application, and to file proof with the Department of Community Development before the rental starts operating and again whenever the Department requests updated documentation. Letting the policy lapse jeopardizes the license itself, independent of any homeowner or umbrella coverage the operator already carries.
Violations & Fines
Failing to maintain or provide proof of the required insurance is a Chapter 6.75 violation. Licensed operators face a $1,000 civil fine per violation; unlicensed short-term rentals draw fines from $1,000 to $10,000 per violation.
Frequently Asked Questions
How much liability insurance does a Las Vegas short-term rental need?
When must the insurance certificate be filed?
Does coverage end once the license is issued?
Sources & Official References
Other rules in Las Vegas
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