Romeoville, IL Short-Term Rentals: Insurance Requirements (2026)

Romeoville's rental licensing framework lives in Chapter 156 (Residential Rental Property Licensing and Crime Free Housing) and is administered by the Code Enforcement Division. The published Section 156.04 license requirements (annual license at $75 single-family / $100 multi-family, mandatory crime-free housing seminar with three-year refreshers, criminal background checks on prospective tenants, mandatory crime-free lease addendum under Section 156.05, and inspection plus current certificate of occupancy under Chapter 155) do not include a numeric short-term rental liability insurance minimum on the public-facing portal or in the searchable code text. Romeoville has not adopted a stand-alone STR ordinance with a Chicago-style insurance mandate (Chicago Municipal Code Title 4 Chapter 4-14 requires $1,000,000 commercial general liability on shared housing units), so a Romeoville host's coverage requirement is shaped by lender requirements, HOA rules, and Illinois Department of Revenue reporting under the 35 ILCS 145 Hotel Operators' Occupation Tax Act rather than by Village ordinance. Most standard Illinois homeowner policies exclude commercial or short-term rental activity, which is why hosts add a short-term rental endorsement or buy a dedicated landlord/STR policy. Airbnb's Host Liability Insurance and Vrbo's Liability Insurance programs (up to $1,000,000 per occurrence on covered platforms) provide secondary protection but are not a substitute for a primary policy and should be confirmed against the host's individual policy and HOA rules. Confirm any current Village requirement directly with the Code Enforcement Division at 815-886-7215 before listing.