Midwest City, OK Short-Term Rentals: Insurance Requirements (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;
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?
How much coverage is required?
Sources & Official References
Other rules in Midwest City
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