Pueblo, CO Short-Term Rentals: Insurance Requirements (2026)

Per the City of Pueblo's short-term rental application process administered by the Sales Tax Office, hosts must furnish proof of insurance along with proof of ownership (or a lease with rental authorization) and a completed license application. Unlike Denver's $1 million liability requirement (DRMC Chapter 33) or Colorado Springs' $500,000 standard, the Pueblo Municipal Code as published on Municode does not state a fixed minimum liability dollar amount specific to short-term rentals; the requirement is for proof of insurance covering the licensed activity. Standard homeowner's policies frequently exclude or limit transient-lodging exposure, so hosts typically need either a dedicated short-term rental policy, a homeowner's endorsement specifically authorizing rental activity, or commercial coverage. Platform-provided host protection (such as Airbnb's AirCover or Vrbo's Liability Insurance) supplements but does not replace the underlying primary policy the city expects to see at application. Because the city's planning and zoning commission has been developing a more detailed short-term rental code, the insurance specifics may evolve; hosts should confirm current coverage expectations directly with the Sales Tax Office at (719) 553-2665 before binding a policy.