Insurance Requirements: Antioch vs El Cerrito

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.

Does unincorporated Contra Costa County require STR hosts to carry liability insurance?

No. Chapter 88-32 and the county's published STR application materials do not set a minimum host liability insurance amount as a condition of issuance. Some California cities require $500,000 or $1,000,000 minimums, but the Contra Costa County unincorporated rule does not.

Does Airbnb or Vrbo coverage substitute for a county requirement?

There is no county requirement to substitute for. Airbnb AirCover for Hosts and Vrbo Liability Insurance both provide $1 million in host liability coverage at the platform level, authorized in California by Insurance Code Section 1758.9. These are platform-level, not county-mandated, programs.

Could my homeowners policy or HOA still require STR coverage?

Yes. Standard homeowners and dwelling fire policies often exclude or limit coverage for paid short-term rental activity, and HOA CC&Rs or lender covenants may require a named-insured endorsement or commercial general liability coverage independent of the county ordinance. Check your policy and CC&Rs before listing.