Minneapolis, MN Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $300,000 aggregate liability
- Alternative
- platform providing equal coverage
- Citation
- § 244.1845(c)(4)
- Administered by
- director of regulatory services
Summary
Minneapolis requires short-term rental hosts to carry liability insurance of at least $300,000, or book exclusively through a platform providing equivalent coverage, before renting out a registered or licensed unit.
The owner of any short-term rental dwelling unit required to be registered or licensed shall maintain liability insurance appropriate to cover the short-term rental use in the aggregate of not less than three hundred thousand dollars ($300,000.00) or conduct each short-term rental transaction through a short-term rental platform that provides equal or greater coverage;
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 72).
Full Breakdown
Minneapolis Code of Ordinances § 244.1845(c)(4) requires every owner of a short-term rental dwelling unit that needs registration or a rental dwelling license to maintain liability insurance covering the short-term rental use in an aggregate amount of not less than $300,000, unless each rental transaction runs through a short-term rental platform that provides equal or greater coverage. The requirement sits alongside the city's separate registration path for homestead properties and licensing path for non-homestead properties under § 244.1845(a)-(b), both administered by the director of regulatory services.
Violations & Fines
Operating a short-term rental without the required $300,000 liability coverage (or equivalent platform-provided coverage) is noncompliance that can support denial, cancellation, or revocation of the short-term rental registration or license after notice and a hearing.
Frequently Asked Questions
Does a booking platform's host guarantee satisfy this rule?
Does the insurance rule apply to owner-occupied rentals?
Sources & Official References
Other rules in Minneapolis
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