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Advisory board backs higher liability coverage for VHRs; clarifies renewal and North-of-Cave-Rock rules
Summary
Douglas County staff explained a proposed increase in required liability insurance for short-term rentals to $1 million, and discussed a 30‑day renewal window and North-of-Cave-Rock rental exception allowing rentals among residents inside permitted communities.
Douglas County staff told the VHR Advisory Board the county plans to raise required liability insurance for short-term rental permits and clarified renewal procedures and geographic exceptions that the Board of County Commissioners previously adopted.
Staff described two linked insurance changes: increasing the standard required commercial liability from $500,000 to $1 million for many VHR tiers, and requiring that the county be listed as an additional interest on the policy so the county receives cancellation notices. The change reflects short-term-rental insurers increasingly offering $1 million policies labeled for short-term rentals (often called STR coverage).
“...what a lot of policies are being written out a million dollars because the…
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