Skokie's STR pilot requires operators to carry liability insurance as a condition of licensing. Most hosts satisfy this via a commercial short-term rental policy or the liability coverage provided by platforms such as Airbnb's AirCover or VRBO's liability insurance.
Under the pilot ordinance, STR operators must demonstrate active commercial or specialty insurance coverage when applying for their Village license. Standard homeowner's insurance typically excludes short-term commercial rental activity, so operators generally need a commercial short-term rental rider or policy with at least $1,000,000 in general liability coverage. Platform-provided coverage — Airbnb AirCover for Hosts ($1M liability) or VRBO's Liability Insurance ($1M) — is typically accepted if the unit is listed exclusively on that platform. Operators listing on multiple platforms should secure an independent commercial policy. Proof of insurance is required at license application and annually upon renewal.
Operating without required insurance is a pilot-ordinance violation with fines up to $1,500 per offense and may result in license suspension or revocation. Uninsured operators face personal financial exposure for any guest-related injury or property damage.
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Side-by-side rule comparisons with other cities in Cook County.
See how other cities in Cook County handle insurance requirements.
See how Skokie's insurance requirements rules stack up against other locations.
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