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

Springdale has not enacted a mandatory minimum liability limit for STR operators as of 2026, but the regulatory authority exists. Arkansas Act 1023 of 2023 specifically preserves a city's right to require STR insurance, alongside health, safety, noise, parking, and occupancy regulation; future Springdale ordinances may impose a specific minimum (commonly $500,000 to $1,000,000 per occurrence in other Arkansas cities). In the meantime, the practical risk is significant: standard ISO-form homeowners policies (HO-3, HO-5) treat short-term lodging as a 'business' use and exclude bodily injury and property damage arising out of that activity. Hosts therefore typically need (a) a commercial STR endorsement on the homeowners policy, (b) a dedicated short-term-rental commercial policy (Proper Insurance, Slice, etc.), or (c) reliance on platform host-protection coverage. Airbnb's AirCover for Hosts provides up to $1,000,000 in liability and damage protection, and VRBO's Liability Insurance program provides up to $1,000,000 per occurrence, but both are excess and subject to numerous conditions and exclusions; they should not be the only line of defense. If the host has a mortgage, the lender's policy requirements may also be triggered by short-term lodging use.