St. Louis STRs must carry general liability coverage of at least $500,000 per occurrence. Airbnb AirCover and VRBO Liability Insurance generally qualify. Lapsed coverage triggers automatic permit suspension.
Ordinance 71635 sets a minimum of $500,000 per occurrence general liability coverage for STR operations. Homeowners insurance typically excludes commercial use, so operators need either a commercial STR endorsement, a dedicated STR policy through carriers like Proper Insurance or CBIZ, or a platform-provided program. Airbnbs AirCover for Hosts provides $1 million in liability coverage and Vrbos Liability Insurance matches that amount, both of which exceed the city minimum. The certificate of insurance must be submitted with the permit application and renewed annually. Gaps in coverage result in automatic permit suspension until proof is re-filed.
Lapsed coverage: automatic permit suspension. Operating while suspended: $500 per day plus permit revocation.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
St. Louis, MO
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