Minneapolis requires STR licensees to carry at least 1 million USD in liability insurance, or to confirm platform-provided coverage of equivalent amount, as part of the license application.
Minneapolis Code Chapter 281 requires every short-term rental licensee to show proof of liability insurance at or above 1,000,000 USD per occurrence covering short-term rental use of the property. Standard homeowners policies typically exclude commercial rental activity, so hosts must add a business endorsement, purchase a dedicated STR policy (Proper Insurance, Slice, CBIZ), or document that platform coverage (Airbnb AirCover at 1 million USD, VRBO Liability Insurance) applies to all stays. Direct-booking hosts generally cannot rely on platform coverage and need standalone policies. Insurance lapses are grounds for license suspension. Hosts with a mortgage should also notify their lender since some loan agreements prohibit short-term use.
Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Minneapolis code enforcement directly for current fines, enforcement procedures, and hearing options.
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See how Minneapolis's insurance requirements rules stack up against other locations.
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