Insurance Requirements: Anaheim vs Newport Beach
How do insurance requirements rules compare between Anaheim, CA and Newport Beach, CA?
Anaheim and Newport Beach have similar restriction levels.
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 →Newport Beach, CA
Orange County
Newport Beach requires all short-term rental operators to maintain minimum liability insurance as a condition of their short-term lodging permit. Proof of coverage must be provided at permit issuance and renewal.
View full Newport Beach rules →Key Facts Comparison
| Fact | Anaheim | Newport Beach |
|---|---|---|
| Insurance | Required for permit | - |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| Minimum Coverage | - | $500,000 per occurrence |
| Additional Insured | - | City of Newport Beach |
| Verification | - | At application and renewal |
| Coverage Type | - | Commercial general liability |
| Community Dev | - | (949) 644-3200 |
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.
Newport Beach FAQ
What insurance do I need for my STR?
Commercial general liability with minimum $500,000 per occurrence. Standard homeowners policies often exclude short-term rental activity.
Does the city need to be named on my policy?
Yes. The City of Newport Beach must be named as an additional insured or certificate holder on the liability policy.
What if my insurance lapses?
A lapse in coverage may result in permit suspension. You must maintain continuous insurance throughout the permit period.
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