Ramsey County, MN Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- County insurance rule
- None
- St. Paul minimum
- $300,000 liability
- Certificate holder
- City of Saint Paul
- Alternative
- Qualifying platform coverage
- Tied to
- Annual host license
Summary
Ramsey County sets no STR insurance rule, but St. Paul does: hosts must carry liability insurance of at least $300,000 naming the City as certificate holder, or rent only through a platform providing equal or greater coverage.
You must show certificate of liability insurance of no less than $300,000 with the "City of Saint Paul" listed as the certificate holder OR conduct each rental transaction through a Short-term rental platform that provides equal or greater coverage.
Full Breakdown
Insurance requirements for short-term rentals are municipal in Minnesota, so Ramsey County imposes none countywide. St. Paul's Chapter 379 host-license requirements state that a host must show a certificate of liability insurance of no less than $300,000 with the City of Saint Paul listed as the certificate holder, or conduct each rental transaction through a short-term rental platform (such as Airbnb or VRBO) that provides equal or greater coverage. This protects guests and neighbors and is a condition of the annual host license. Suburban Ramsey County cities set their own coverage minimums.
Violations & Fines
Operating without the required $300,000 liability coverage (or qualifying platform coverage) is a Chapter 379 licensing violation and grounds for license denial or revocation by St. Paul DSI.
Frequently Asked Questions
How much STR insurance does St. Paul require?
Does Airbnb or VRBO coverage satisfy the rule?
Sources & Official References
Other rules in Ramsey County
Compare Ramsey County to another location·View the Minnesota short-term rentals overview
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