Douglas County's ordinance does not require short-term rental owners to carry a specific liability insurance policy. It does make the owner strictly and non-delegably liable for full compliance, so carrying host or landlord liability coverage is strongly advisable even though it is not mandated.
The Short-Term Rental Ordinance contains no minimum liability-insurance requirement, unlike some jurisdictions that demand $500,000 or $1 million in coverage. Instead, Section V.R makes compliance a nondelegable responsibility of the owner and holds each owner strictly liable. The owner must also meet life-safety standards (working smoke and carbon-monoxide detectors, fire extinguishers, sound structure) and complete Building and Health Department inspections, and the county and Sheriff may inspect the property to enforce the ordinance. Given strict liability and guest turnover, owners commonly carry short-term-rental or landlord liability insurance, and platforms like Airbnb and Vrbo provide their own host protection programs, but neither is required by county code.
No insurance penalty exists, but because the owner is strictly liable, any code or ordinance violation falls on the owner and can lead to suspension or one-year revocation of the license.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Douglas County, CO
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See how Douglas County's insurance requirements rules stack up against other locations.
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