Lexington STR operators must carry adequate liability insurance, typically at least 1 million dollars per occurrence, and demonstrate coverage during annual registration.
Chapter 14A of the Lexington Code of Ordinances requires short-term rental operators to maintain liability insurance appropriate to hospitality use, commonly at least 1 million dollars per occurrence. Standard homeowner policies often exclude commercial short-term rental activity, so many hosts purchase a dedicated STR endorsement or commercial policy. Platforms such as Airbnb and Vrbo provide supplemental host coverage, but LFUCG views platform coverage as a backstop rather than a replacement for primary insurance. Applicants must be prepared to submit a certificate of insurance at registration and renewal. Failure to maintain coverage is grounds for permit revocation and can create personal liability exposure for the owner in a guest injury claim.
Contact your local code enforcement office for specific penalty information.
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