Los Ranchos de Albuquerque, NM Short-Term Rentals: Insurance Requirements (2026)

Los Ranchos regulates short-term rentals under Village Code Chapter 9, Section 25(E)(1) (Bed & Breakfast Facilities), adopted as part of the June 9, 2021 STR ordinance. The publicly posted operating standards on the village's Short-Term Rentals page emphasize that the operator must be present for the entire rental, that occupancy is two adults per guestroom (children twelve and under excluded), that events are not permitted, that adequate off-street parking is required, and that house rules covering noise, cleanliness, and emergency contacts must be posted. The village's published guidance does not state a specific liability-insurance dollar minimum; hosts should confirm whether the current B&B permit application form requires a certificate of insurance and any minimum amount with Planning & Zoning Director Shanna Schultz at sschultz@losranchosnm.gov or (505) 344-6582 before applying. New Mexico has no statewide STR licensing or insurance preemption statute - municipalities (NM Stat. Ch. 3) and home-rule chartered cities set their own rules. State-level taxation applies separately: New Mexico Gross Receipts Tax (currently 5.125% statewide rate, plus local increments) and the Bernalillo County Lodgers' Tax (5%) are collected on lodging stays. Standard HO-3 homeowner's policies typically exclude commercial transient-lodging activity, so most hosts purchase a dedicated short-term rental endorsement or commercial liability policy and verify what platform-provided coverage (Airbnb AirCover, Vrbo Liability Insurance) actually covers in their situation.