Rogers, AR Short-Term Rentals: Insurance Requirements (2026)

There is no published Rogers ordinance requiring a short-term rental operator to maintain liability insurance, name the city as additional insured, or submit proof of coverage to obtain a business license. The city's vacation-rental framework centers on the business license, the Certificate of Occupancy fire and life-safety inspection by the Community Risk Reduction Division, and registration to collect the 3% lodging tax - none of which is published as imposing an insurance-coverage minimum. Arkansas likewise has no statewide short-term rental insurance mandate; the state takes a hands-off approach to short-term rentals, leaving such requirements to local governments, and Rogers has not adopted one. That said, insurance is a serious practical consideration rather than a code formality: standard homeowner's policies frequently exclude or limit coverage for commercial or transient-rental activity, so operators commonly need a dedicated short-term-rental policy, a commercial liability policy, or a rider, and many hosting platforms offer supplemental host protection that is not a substitute for the operator's own coverage. Because this is an area Rogers does not regulate by ordinance, operators should verify their coverage directly with an insurance professional and confirm with the city whether any insurance documentation is requested as part of the current business-license process, since administrative requirements can change even where the code is silent.