Insurance Requirements: Anaheim vs Midway City
How do insurance requirements rules compare between Anaheim, CA and Midway City, CA?
Midway City 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 →Midway City, CA
Orange County
STR operators in unincorporated Orange County are required to maintain adequate liability insurance as a permit condition. The county requires proof of insurance or evidence that bookings are conducted through a platform providing equivalent liability coverage.
View full Midway City rules →Key Facts Comparison
| Fact | Anaheim | Midway City |
|---|---|---|
| Insurance | Required for permit | - |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| Requirement | - | Liability insurance or platform coverage |
| Platform Alternative | - | Airbnb/Vrbo host protection |
| Typical Coverage | - | $1M per occurrence |
| Proof Required | - | Certificate of insurance |
| Submitted Via | - | myOCeServices portal |
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.
Midway City FAQ
Do I need insurance to operate an STR in unincorporated Orange County?
Yes. You must either carry your own general liability insurance or demonstrate that all bookings are made exclusively through a platform that provides equivalent coverage. Proof is required with the permit application.
Does Airbnb insurance satisfy the Orange County STR requirement?
If all bookings are conducted exclusively through a platform providing liability coverage (such as Airbnb Host Protection Insurance at $1M per occurrence), this may satisfy the requirement. Submit proof with your permit application.
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