Insurance Requirements: Anaheim vs Costa Mesa
How do insurance requirements rules compare between Anaheim, CA and Costa Mesa, CA?
Costa Mesa has fewer restrictions than Anaheim.
Anaheim, CA
Orange County
Anaheim's short-term rental program under AMC Chapter 4.05 requires operators to maintain adequate liability insurance. STR permits are limited to 277 existing units. New STR permits are no longer available.
View full Anaheim rules →Costa Mesa, CA
Orange County
Costa Mesa requires short-term rental hosts to maintain liability insurance coverage as a condition of their STR permit. Most platforms like Airbnb provide supplemental coverage, but hosts should verify their own homeowner's policy covers rental activity.
View full Costa Mesa rules →Key Facts Comparison
| Fact | Anaheim | Costa Mesa |
|---|---|---|
| Insurance | Required for permit | - |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| Recommended Minimum | - | $500K–$1M liability coverage |
| Homeowner's Policy | - | May not cover STR activity |
| Platform Insurance | - | Supplemental only |
| Proof Required | - | At permit application |
| Contact | - | Development Services (714) 754-5245 |
Highlighted rows indicate differences between cities.
Anaheim FAQ
What insurance do Anaheim STR operators need?
General liability insurance covering short-term rental activity is required for permit maintenance. Standard homeowner policies typically exclude STR coverage.
Can I get a new STR permit in Anaheim?
No. New STR permits are no longer issued. Only 277 existing permits (approved before 2016) are allowed to operate.
Costa Mesa FAQ
Do I need special insurance for my Costa Mesa short-term rental?
Yes. Standard homeowner's policies often exclude short-term rental activity. You should carry at least $500,000 in liability coverage and may need a rental endorsement.
Does Airbnb insurance cover me in Costa Mesa?
Airbnb's Host Protection Insurance is supplemental and may not cover all liability. Costa Mesa recommends maintaining your own adequate liability policy.
Will Costa Mesa check my insurance when I apply for an STR permit?
Yes. The permit application may require proof of adequate liability insurance covering short-term rental operations.
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