Minnehaha County imposes no STR-specific insurance requirement. South Dakota has no statewide STR insurance mandate. Hosts rely on standard homeowner/landlord policies plus optional STR endorsements; Airbnb's Host Liability Insurance and AirCover provide platform-level coverage but are not legally required by the county or state.
No section of the Minnehaha County code requires short-term rental operators to maintain a minimum liability insurance policy, name the county as additional insured, or file proof of insurance with any county department. South Dakota similarly has no statewide STR insurance statute. As a practical matter, hosts should verify that: (1) their standard homeowner's policy (issued under SDCL Title 58 insurance code) does not exclude business/commercial use — most personal-lines homeowner policies exclude transient rentals, which can void coverage; (2) a commercial/landlord or specialized STR endorsement is in place; and (3) the marketplace platform's protection is understood — Airbnb's Host Liability Insurance offers up to $1 million in primary coverage for third-party bodily-injury and property-damage claims, and Vrbo offers $1 million Liability Insurance, but these are platform programs, not county requirements. SDCL 21-10-1 nuisance liability and standard SD common-law premises-liability principles apply to all hosts regardless of insurance status.
No county penalty for lacking insurance (no ordinance). However, an uninsured loss can be financially catastrophic, and SD common-law negligence claims may proceed under SDCL Title 20 and Title 21 against an uninsured host with full personal-asset exposure.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Minnehaha County, SD
Minnehaha County does not regulate residential artificial turf. The County Zoning Ordinance under SDCL Chapter 11-2 controls lot-coverage and impervious-surf...
Minnehaha County, SD
Minnehaha County imposes no ordinance restricting native or prairie landscaping on residential lots. The only substantive overlay is the SDCL Chapter 38-22 d...
Minnehaha County, SD
Minnehaha County has no ordinance prohibiting residential rainwater collection. South Dakota's SDCL 46-1-6 domestic-use exemption covers household rain barre...
Minnehaha County, SD
SDCL Chapter 38-22 makes every Minnehaha County landowner responsible for controlling state-listed noxious weeds (Canada thistle, leafy spurge, perennial sow...
Minnehaha County, SD
Minnehaha County's Parks Ordinance ('Control, Regulation and Use of Parks') governs the three county-owned parks: Bucher Prairie Park, Perry Nature Area, and...
Minnehaha County, SD
Commercial drone work (aerial photography for real estate, agricultural-field scouting, infrastructure inspection, surveying, mapping, wedding videography, e...
See how Minnehaha County's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.