Insurance Requirements: Antioch vs Brentwood
How do insurance requirements rules compare between Antioch, CA and Brentwood, CA?
Antioch has fewer restrictions than Brentwood.
Antioch, CA
Contra Costa County
Antioch requires every short-term rental host to submit a copy of an active liability insurance policy as part of the city's Short-Term Rental Permit application. The Antioch Municipal Code does not pin a numeric minimum to the certificate, but city practice tracks the broader Contra Costa County standard of $1,000,000 per-occurrence general liability for hosted lodging activity.
View full Antioch rules →Brentwood, CA
Contra Costa County
Brentwood does not impose STR liability insurance minimums because the city prohibits short-term rentals entirely under BMC Chapter 17.796 (Ord. 1079, Dec 10, 2024). There is no permit or registration that an insurance certificate could attach to.
View full Brentwood rules →Key Facts Comparison
| Fact | Antioch | Brentwood |
|---|---|---|
| Insurance Required | Yes - liability policy at application | - |
| Code Minimum Stated | Not numerically specified by city | - |
| Common Practice | $1,000,000 per occurrence CGL | - |
| Permit | Antioch Short-Term Rental Permit | - |
| Renewal | Annual | - |
| Platform Coverage | Supplemental only - does not satisfy rule | - |
| Gathering Cap | 20 people maximum | - |
| TOT Rate | 10% of rent for stays under 30 days | - |
| City Insurance Minimum | - | None (STRs banned) |
| Code Section | - | BMC Ch. 17.796 |
| Ordinance | - | No. 1079 (Dec 10, 2024) |
| Permit Pathway | - | Does not exist |
| Long-Term Rentals | - | Use standard landlord policy |
| Rental Inspection | - | City program separate |
Highlighted rows indicate differences between cities.
Antioch FAQ
How much liability insurance does Antioch require for an STR?
The Antioch Municipal Code does not state a specific dollar minimum, but the city requires a copy of an active liability insurance policy with the Short-Term Rental Permit application. Hosts typically carry $1,000,000 per-occurrence commercial general liability.
Does Airbnb AirCover satisfy Antioch's STR insurance requirement?
No. Platform host-protection programs are supplemental and do not replace the underlying liability policy that must accompany the city permit application.
Will my homeowners policy cover STR activity in Antioch?
Often no. Most standard homeowners policies exclude or limit short-term rental use. Hosts should ask their carrier in writing whether transient occupancy is covered, or buy a dedicated STR policy.
Brentwood FAQ
How much liability insurance does Brentwood require for short-term rentals?
None, because Brentwood prohibits short-term rentals under Chapter 17.796. There is no STR permit to which an insurance requirement could attach.
Does Airbnb's AirCover let me legally host in Brentwood?
No. Platform host-protection programs do not override the citywide STR ban in BMC 17.796.
What insurance applies to a 31-day or longer rental?
A standard landlord/dwelling policy is typical. Long-term rentals are not STRs, so the Chapter 17.796 prohibition does not apply, but Brentwood's Rental Inspection Program may.
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