Las Vegas, NV Short-Term Rentals: Insurance Requirements (2026)

Under LVMC Chapter 6.75, the City of Las Vegas requires every Short-Term Residential Rental licensee to maintain liability insurance with limits of no less than $500,000 per occurrence covering the short-term rental use of the property. The $500,000 minimum was set by the 2022 ordinance to align with the Nevada statewide framework adopted under AB 363 (2021), which authorized cities and counties in large counties to require liability insurance as a precondition to licensing. Proof of coverage (a Certificate of Insurance naming the policyholder and the rental address) must be submitted with the initial application and at each annual renewal. Standard homeowner's policies typically exclude short-term commercial use; operators ordinarily satisfy the requirement through a dedicated short-term rental policy or a hosting endorsement (for example, Airbnb's AirCover for Hosts provides $1 million in primary liability coverage in many markets, which exceeds the city minimum, but operators should verify scope and exclusions, especially for non-Airbnb bookings). Coverage must be in force continuously while the property is offered for rent; cancellation, non-renewal, or material reduction below the $500,000 threshold must be reported to the city and is grounds for license suspension. Insurance compliance is verified at application, at renewal, and following any substantiated incident that triggers a Code Enforcement file review.