Oklahoma County, OK Short-Term Rentals: Insurance Requirements (2026)

Oklahoma City's STR ordinance §59-9253 mandates that licensed short-term rental hosts maintain liability insurance of at least $500,000 per occurrence, covering guest injuries, property damage, and bodily injury arising from the rental operation. Proof of insurance — a Certificate of Insurance (COI) listing the property address and naming the coverage amount — must be submitted with the initial permit application and at each annual renewal. Standard Oklahoma homeowner insurance policies typically exclude commercial/business rental activity, so hosts generally need: (1) a dedicated STR or landlord policy, (2) a commercial business policy endorsement, or (3) reliance on platform-provided coverage like Airbnb Host Liability Insurance ($1M), VRBO's Liability Insurance ($1M), or Vrbo's Book with Confidence Guarantee. Platform coverage generally satisfies OKC's $500K requirement but hosts should verify with underwriters since platform policies have exclusions (assault, intentional acts, pre-existing conditions). Edmond Ordinance 3691 requires $300,000 minimum with similar documentation. Midwest City requires proof at business license issuance. Hosts with mortgaged properties should notify lenders — some mortgages prohibit STRs without consent. Oklahoma's tornado risk makes property insurance critical; hail and wind are separate coverage concerns under most STR policies.