North Las Vegas requires a minimum of 500,000 dollars in liability insurance for licensed short-term rentals. Proof must be provided at application and maintained continuously while the Conditional Use Permit is active.
Ordinance 3127 requires every short-term rental operator in North Las Vegas to obtain and maintain a certificate of insurance showing a minimum of 500,000 dollars in liability coverage for the rental activity. The certificate must be submitted with the business license application and kept current for the life of the Conditional Use Permit. Hosting-platform insurance programs such as Airbnb AirCover or Vrbo Liability Insurance may be acceptable if they meet the 500,000-dollar floor and list the property correctly, but many operators choose a dedicated short-term rental commercial policy to avoid coverage gaps. Standard homeowner policies often exclude commercial rental activity and may not satisfy the city requirement. Allowing insurance to lapse or dropping below the required limit is grounds for permit suspension. Nevada AB 363 (2021) authorized local governments to set STR-specific insurance requirements as part of the minimum statewide framework.
Lapsed or insufficient insurance: immediate suspension of Conditional Use Permit and business license. Misrepresentation on application: denial, revocation, and potential civil penalties.
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