Wichita, KS Short-Term Rentals: Insurance Requirements (2026)

The Wichita short-term rental program asks applicants to attest to liability insurance that specifically contemplates renting the dwelling on a nightly basis. Most standard homeowner and condo policies sold in Kansas exclude business or commercial use, which can include any nightly rental on Airbnb or Vrbo. Hosts therefore need either an endorsement that adds short-term rental coverage or a dedicated landlord or short-term rental policy from carriers such as Proper, Slice, or Steadily. The program guidance generally references a minimum of one million dollars in liability coverage per occurrence, in line with industry norms. Airbnb host liability insurance and the Vrbo Liability Insurance program provide coverage for many incidents but should be treated as secondary to a host owned policy. Properties with pools, hot tubs, trampolines, or fire pits should confirm those features are not excluded. Condominium hosts also need to coordinate with the master association policy under KS Stat 58-3101, and HOA rules under KS Stat 58-3806 may require the association be added as an additional insured. Failure to maintain insurance is grounds for denial or revocation of the short-term rental permit.