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

Because Owasso has not enacted a vacation rental code, there is no city-issued STR license and therefore no application requirement to file a certificate of insurance with the Community Development Department. The Owasso Zoning Code's home-occupation provisions also exclude 'Bed and breakfast' and 'Inn or tourist home' from permitted home occupations, so the city's regulatory posture toward whole-house lodging is restrictive rather than permit-driven. State law (Oklahoma Statutes Title 11) does not preempt municipal STR insurance rules, but does not impose its own STR liability minimum either. Tulsa County does not regulate insurance for STRs in incorporated Owasso. Practical insurance considerations remain meaningful: standard Oklahoma homeowner policies typically exclude commercial or short-term rental activity, which is why hosts commonly add a short-term rental endorsement or purchase a separate landlord/STR policy. Airbnb's AirCover for Hosts and Vrbo's Liability Coverage offer up to $1,000,000 per occurrence on covered platforms as a secondary layer over a primary policy. If Owasso later adopts an STR ordinance, hosts should expect the city to require a filed certificate of insurance similar to Broken Arrow and Tulsa. Confirm current requirements with the Community Development Department at 918-376-1540 before listing, especially because the 'no STR ordinance' status can change without notice.