Wyandotte County, KS Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- SUP insurance minimum
- $1,000,000 liability policy
- Coverage scope
- Entire subject property
- Governing section
- Sec. 27-623(c)(2)a.3.ii.C
- Admin-review alternative
- Proof of homeowners' insurance only
- Also required for SUP
- Lodging license proof, safety inspection
Summary
A Wyandotte County short-term rental operating under a special use permit must prove at least $1,000,000 in liability insurance covering the whole property before the unified government approves the permit, per Sec. 27-623(c)(2)a.3.ii.C; owner-occupied rentals on the administrative-review track only need to show proof of homeowners' insurance.
(2)Short-term rental use is subject to approval of a complete special use permit application, and in compliance with all identified performance standards contained herein.a.Special use permit process....3.Submission requirements....ii.In addition, the following requirements must be met as part of the submission materials for a short-term rental special use permit:A.An affidavit, signed by the property owner, attesting to the satisfaction of safety and habitability standards.B.Proof of an active lodging establishment license, if required by state statute.C.Proof of at least $1,000,000 insurance liability policy covering the entire subject property.
Full Breakdown
The special use permit submission package in Sec. 3 requires more documentation than the administrative-review path, and insurance is one of the biggest differences. ' That sits in the same submission list as a management plan, a guest book with house rules that must prohibit parties, posted copies of the permit and current occupation tax receipt, an accurate floor plan showing fire exits, and, for a new application, a full safety home inspection completed within the prior six months by a unified-government-registered inspector, with no more than five years allowed to pass between inspections.
By contrast, the administrative-review submission list in Sec. 27-623(b)(3)c requires only 'proof of homeowners' insurance,' with no dollar minimum specified, reflecting that administrative review is reserved for lower-density, owner-occupied rentals while special use permits cover higher-density or non-owner-occupied operations that go before the board of commissioners.
Violations & Fines
An incomplete or inadequate insurance submission can keep a special use permit application from being approved, and failing to maintain the required coverage after approval falls under the general 'compliance with all other applicable codes and ordinances' standard in Sec. 27-623(a)(4)e, which can trigger revocation proceedings under Sec. 27-209.
Frequently Asked Questions
How much liability insurance does a Wyandotte County STR need?
Do owner-occupied rentals need the same $1 million policy?
When must the insurance proof be submitted?
Sources & Official References
Other rules in Wyandotte County
Compare Wyandotte County to another location·View the Kansas short-term rentals overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.