Noblesville has not adopted a short-term rental insurance requirement in its Unified Development Ordinance or anywhere else in the Code of Ordinances. Indiana Code 36-1-24-7 expressly preserves a local unit's authority to require 'evidence of insurance' for STR operators, but Noblesville has not exercised that authority. Hosts typically rely on Airbnb's AirCover (up to $1 million in host liability and host damage protection) or Vrbo's liability insurance, plus a standalone STR or commercial dwelling policy.
Indiana Code 36-1-24-7 lists the regulatory areas that the 2018 state STR preemption explicitly left to local units, and it expressly mentions the authority to require 'evidence of insurance' from operators. Because Noblesville has not adopted an STR permit, registration, or licensing chapter, there is no city-mandated insurance minimum and no place to file proof of coverage. By comparison, Indianapolis's 2024 STR ordinance (Marion County) requires liability coverage as a condition of registration. Hosts in Noblesville therefore manage insurance privately. The platform-side baselines are: Airbnb's AirCover for Hosts provides up to $1 million in host liability protection and up to $3 million in host damage protection per booking made through Airbnb (subject to AirCover terms); Vrbo provides a $1 million liability program for eligible bookings. Both platforms specifically disclaim that platform coverage is a substitute for a homeowner's, landlord's, or commercial dwelling policy. Standard Indiana homeowner's policies often exclude or limit short-term rental activity, and many carriers treat STR use as a 'business pursuits' exclusion; hosts typically add an endorsement, switch to a landlord (DP-3) policy, or buy a dedicated short-term rental policy from a carrier such as Proper, Slice, or CBIZ. Noblesville Planning Department staff sometimes raise insurance during Bed and Breakfast Establishment BZA review under UDO Section 159.125, but B&B insurance is not separately codified.
Because Noblesville has not adopted an STR insurance requirement, there is no city ordinance to violate on insurance specifically. Hosts who operate without adequate coverage face private-law exposure (personal liability for guest injuries, property damage, and third-party claims) rather than city enforcement. Lying to a homeowner's insurance carrier about STR use can void the policy and expose the host to denied claims; this is a private contract issue rather than a code violation. If Noblesville were to adopt an STR registration program in the future, Indiana Code 36-1-24-7 would let the city require proof of insurance as a condition, and noncompliance would then be enforceable through that registration scheme.
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