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Midwest City, OK Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Requirement
Proof of current, valid property insurance
Who enforces
Engineering and Construction Services Department
Minimum coverage amount
Not specified in ordinance
False attestation
Grounds for immediate license revocation
License term
Renewed annually

Summary

Midwest City requires short-term rental owners to prove current, valid property insurance before the city issues an operating license under the short-term rental program.

The applicant must attest to the following, comply with all requirements listed below and furnish any necessary documentation upon request of the city:(1)The name, street address, mailing address, and telephone number of the owner of the short-term rental, which includes the owner's primary physical address, a mailing address, cell phone number and email address;(2)The name, street address, mailing address, and telephone number, which includes the primary physical address, a mailing address, cell phone number and email address, of the local agent available to be reached twenty-four (24) hours per day and seven (7) days per week;(3)A certification by the property owner and, if applicable, property manager, that the property is not subject to outstanding City Code or state law violations;(4)Proof of current, valid property insurance;

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 21).

Full Breakdown

To license a short-term rental, Midwest City's engineering and construction services department requires the owner to submit proof of current, valid property insurance as part of the license application, alongside a certification that the property carries no outstanding code or state-law violations, a local 24/7 contact, and demonstrated ability to pay the city's hotel tax. The city does not set a minimum coverage amount in the ordinance: it only requires that a policy be in force. Fraudulent or false statements in the application, including about insurance, are grounds for immediate license revocation.

Violations & Fines

Operating a short-term rental without a valid license, or submitting false insurance attestations, is grounds for the city to deny, suspend, or revoke the license immediately.

Frequently Asked Questions

Does Midwest City require short-term rental insurance?
Yes. Under § 20-206(b)(4), owners must attest to proof of current, valid property insurance when applying for a short-term rental license from the engineering and construction services department.
How much coverage is required?
The ordinance does not set a dollar minimum: it requires only that the policy be current and valid at the time of application and remain in force through the license period.

Sources & Official References

Other rules in Midwest City

All Midwest City rules

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