Larimer County, CO Short-Term Rentals: Insurance Requirements (2026)

The ordinance's indemnification clause (Section 5) states the county assumes no responsibility for the STR's operation and the owner agrees to hold Larimer County harmless for any injury or damage of whatever type or nature resulting from the rental. Rather than mandating a specific coverage amount, the county shifts liability entirely to the owner, meaning an operator who lacks adequate insurance bears the full financial risk of a guest injury or property claim. Most hosts satisfy this by carrying a landlord/short-term-rental policy or relying on host protection offered through booking platforms, on top of the life-safety inspections the county requires.