Woodbury imposes no short-term-rental liability-insurance requirement, because STRs are not an allowed use and the rental-licensing program for long-term rentals does not publish a minimum-coverage mandate. Operators rely on private policy terms and Minnesota insurance law rather than a city-set coverage floor.
Woodbury's published rental-program materials — the Rental Licensing Program FAQ, the Rental Licenses page, and the Rental Resources page — describe license fees, self-certification, inspections, exemptions, and the STR prohibition, but do not state a minimum liability-insurance amount for any rental. Because the city does not permit sub-30-day non-primary rentals, it has no STR insurance clause to enforce. For licensed long-term rentals, the city's compliance mechanism is the property-maintenance self-certification checklist under Chapter 6, Article V rather than a proof-of-insurance filing. As a practical matter, owners should confirm coverage with their own carrier: standard homeowner policies often exclude or limit business/rental activity, so landlords typically need a landlord/dwelling-fire policy, and anyone contemplating short-stay hosting would face both an insurance gap and the city's prohibition. Minnesota does not impose a statewide STR insurance mandate either, and there is no state preemption forcing Woodbury to allow STRs. Operators with insurance questions should verify current requirements with Code Enforcement (651-414-3414) and their insurer; nothing in the city's published materials sets a numeric coverage floor.
There is no city insurance-coverage violation to cite, because no minimum is published. The underlying exposure is different: operating a prohibited sub-30-day rental is a code-enforcement matter, and an uninsured or under-insured landlord risks private liability and potential carrier denial — not a municipal insurance penalty.
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