Insurance Requirements: Anaheim vs Santa Ana
How do insurance requirements rules compare between Anaheim, CA and Santa Ana, CA?
Anaheim and Santa Ana 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 →Santa Ana, CA
Orange County
Short-term rentals are completely banned in Santa Ana. The city council voted unanimously to prohibit all STR operations, so insurance requirements are moot. No permits are issued and no grandfathering provisions exist.
View full Santa Ana rules →Key Facts Comparison
| Fact | Anaheim | Santa Ana |
|---|---|---|
| Insurance | Required for permit | N/A — activity is prohibited |
| Permit Cap | 277 total | - |
| New Permits | Not available | - |
| Code | AMC Ch. 4.05 | - |
| STR Status | - | Completely banned |
| Permits Available | - | None — no permit system |
| Grandfathering | - | None |
| Enforcement | - | Active — cease-and-desist orders |
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.
Santa Ana FAQ
Do I need insurance for a short-term rental in Santa Ana?
Short-term rentals are completely banned in Santa Ana. No permits are available and no insurance requirements exist because the activity itself is prohibited.
Can I list my Santa Ana property on Airbnb?
No. Short-term rentals are prohibited in Santa Ana. Listing or operating an STR may result in fines and cease-and-desist orders from the city.
Compare other topics
See how Anaheim and Santa Ana compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool