Insurance Requirements: Anaheim vs Orange
How do insurance requirements rules compare between Anaheim, CA and Orange, CA?
Anaheim and Orange 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 →Orange, CA
Orange County
Short-term rental operators in Orange must maintain liability insurance of at least $1,000,000 general aggregate under OMC Chapter 5.94. Proof of insurance must be provided with the STR permit application.
View full Orange rules →Key Facts Comparison
| Fact | Anaheim | Orange |
|---|---|---|
| Insurance | Required for permit | - |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| Minimum Coverage | - | $1,000,000 general aggregate |
| Proof Required | - | Certificate of insurance |
| Renewal | - | Must maintain current coverage |
| Code Section | - | OMC Chapter 5.94 |
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.
Orange FAQ
How much insurance do I need for an STR in Orange?
At least $1,000,000 in general aggregate liability insurance. A certificate must be filed with your STR permit application under OMC Chapter 5.94.
Does Airbnb host protection count?
Platform insurance may not satisfy the city's independent insurance requirement. Verify with the Finance Department that your coverage meets OMC Chapter 5.94 standards.
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