Omaha, NE Short-Term Rentals: Insurance Requirements (2026)

Omaha has no ordinance requiring a specific insurance policy for short-term rentals. However, standard homeowner and landlord policies often exclude commercial lodging activity, leaving hosts exposed to gaps. Industry practice in Nebraska is to carry a dedicated short-term rental or commercial lodging policy with at least 1 million dollars in liability coverage plus property damage coverage. Airbnb AirCover and VRBO Liability Insurance provide secondary platform protection but should not be relied on as the primary layer. Mortgage lenders and condo associations often require proof of STR-appropriate coverage as a condition of operation. HOA master policies generally do not extend to unit owner STR activity. Hosts renting out detached homes in Dundee, Benson, or West Omaha should also consider umbrella policies given continental weather risks (hail, ice damage, basement water intrusion). Lodging tax registration with the Nebraska Department of Revenue and Douglas County does not require insurance proof but professional operation is strongly advised.