Lincoln requires STR operators to carry liability insurance as a condition of licensing under LMC Chapter 5.39. A copy of the insurance policy or certificate must be submitted with the license application. Standard homeowner policies often exclude STR activity.
Lincoln Municipal Code Chapter 5.39 requires short-term rental operators to maintain liability insurance coverage and submit proof of insurance with their license application to Building and Safety. While the ordinance does not specify a minimum coverage amount, industry standards recommend at least $500,000 to $1,000,000 in general liability coverage. Standard homeowner insurance policies typically exclude or limit coverage for commercial rental activity, so hosts should obtain a specialized short-term rental insurance policy or a commercial general liability endorsement. Insurance must remain in force for the duration of the license. Platforms like Airbnb offer host protection insurance, but this should not be relied upon as the sole coverage. Hosts should consult with an insurance agent familiar with Nebraska short-term rental regulations to ensure adequate protection.
Contact your local code enforcement office for specific penalty information.
Lincoln, NE
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Lincoln, NE
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Lincoln, NE
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Lincoln, NE
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