North Las Vegas, NV Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum liability coverage
- $500,000 general liability
- Proof required
- Certificate of insurance with the application
- Renewal requirement
- Certificate resubmitted with each annual renewal
- Consequence of lapse
- License denial or summary revocation
Summary
North Las Vegas requires every short-term rental to carry commercial-grade liability coverage before the city will issue a license. NLVMC 5.02.270(C)(5) sets the floor at a certificate of insurance with general liability coverage of not less than $500,000, filed as part of the application and every annual renewal.
C.Business license applications and business license renewals for a short-term rental shall include the following:...5.Certificate of insurance with general liability coverage of not less than five hundred thousand dollars ($500,000.00).6.Short-Term Rental Hold Harmless Acknowledgement Agreement.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 146 Update 1).
Full Breakdown
00). 160, reflecting that a short-term rental is a year-round use inside a residential neighborhood. The insurance certificate sits alongside the other application items -- the conditional use permit, the state business license, the notarized self-inspection checklist, the noise-monitoring/neighbor-notice affidavit, and the Hold Harmless Acknowledgement Agreement in item 6 -- and the code treats the whole packet as a single application: missing any one item, including the insurance certificate, is grounds for the Business License Division to reject the application or renewal outright. Because item 5 is listed as a renewal requirement as well as an initial-application requirement, an operator has to keep the $500,000 policy current for as long as the license stays active, not just at the moment of first licensing.
Violations & Fines
Letting the required $500,000 general liability policy lapse, or failing to submit a current certificate of insurance at renewal, is treated the same as any other incomplete NLVMC 5.02.270(C) application: the Director can refuse to renew the license or summarily revoke it under NLVMC 5.02.440 for a condition-of-approval violation. Operating a short-term rental without the license once it's revoked or expired exposes the owner to the civil penalties in Title 8.
Frequently Asked Questions
How much liability insurance does a North Las Vegas short-term rental need?
What happens if my insurance lapses mid-license?
Is the $500,000 insurance requirement unique to short-term rentals?
Sources & Official References
Other rules in North Las Vegas
Compare North Las Vegas to another location·View the Nevada short-term rentals overview
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Insurance Requirements in Nearby Cities
How other cities in Clark County handle insurance requirements.