Updated Insurance Requirements for Idaho Vacation Rentals

Starting January 2026, several Idaho counties will require vacation rental operators to carry a minimum level of commercial liability insurance.

What Changed

The new requirements establish a $1 million minimum commercial general liability policy for properties rented on a short-term basis. This applies to rentals of fewer than 30 consecutive days.

Why This Matters

While many professional operators already carry adequate insurance, these requirements ensure a baseline level of protection for guests and surrounding property owners.

IVRA Member Benefits

IVRA has negotiated group rates with two insurance providers that specialize in vacation rental coverage. Members can access these rates through the member portal.

Action Items

• —Review your current insurance policy against the new minimums
• —Contact your insurance provider to confirm compliance
• —Check the IVRA member portal for group rate information
• —Reach out to IVRA if you need help finding appropriate coverage