Insurance Requirements: Anaheim vs Fullerton
How do insurance requirements rules compare between Anaheim, CA and Fullerton, CA?
Fullerton 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 →Fullerton, CA
Orange County
Fullerton requires short-term rental hosts to maintain liability insurance as a condition of their STR permit. Hosts must carry a minimum level of coverage to protect guests and neighbors from potential damages or injuries.
View full Fullerton rules →Key Facts Comparison
| Fact | Anaheim | Fullerton |
|---|---|---|
| Insurance | Required for permit | - |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| Liability Coverage | - | $500K–$1M minimum typical |
| Proof Required | - | At permit application and renewal |
| Platform Insurance | - | May not satisfy city requirement |
| Homeowner's Policy | - | Often excludes STR activity |
| Contact | - | Community Development — (714) 738-6837 |
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.
Fullerton FAQ
Do I need insurance to run a short-term rental in Fullerton?
Yes. Fullerton requires STR hosts to maintain liability insurance as a condition of their permit. Proof of coverage must be submitted with the application.
Does Airbnb's host insurance satisfy Fullerton's requirement?
Platform-provided insurance programs typically do not satisfy the city's independent insurance requirement. Hosts should obtain their own policy.
Does my homeowner's insurance cover short-term rentals?
Many standard homeowner's policies exclude commercial rental activity. Check with your insurance provider to confirm coverage or obtain a rider.
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