Sioux Falls does not impose a specific liability insurance requirement on short-term rental (vacation home) operators. The city's STR ordinance focuses on occupancy limits, parking, state registration, and owner contact information.
Sioux Falls Code § 159.303 (Chapter 159, Subdivision Regulations) governs vacation home rentals and short-term rentals. Requirements include: maximum occupancy of three persons per bedroom; one off-street parking space per guest bedroom; state of South Dakota vacation home registration; and owner/manager contact information posted inside and outside the unit. No minimum liability insurance amount is specified in the municipal code. Hosts are encouraged by the state to carry appropriate coverage but face no locally mandated insurance threshold.
No insurance-specific penalty exists. Violations of § 159.303 (occupancy, parking, registration) may result in code enforcement action and permit revocation.
Sioux Falls, SD
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