Insurance Requirements: Antioch vs Oakley

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 Oakley require a specific amount of liability insurance for a short-term rental?

Oakley Municipal Code Chapter 5.15 does not set a specific dollar minimum for STR liability insurance. The chapter instead makes the owner personally responsible for all guest and occupant conduct, so most hosts carry an STR-specific policy or rely on a hosting platform that provides primary host liability coverage (commonly up to $1,000,000).

Will my regular homeowner's policy cover my Oakley short-term rental?

Usually not. Standard homeowner's and renter's policies typically exclude short-term/transient rental activity. California state law requires hosting platforms to advise hosts to review their policy for short-term rental restrictions, and most Oakley hosts add a short-term rental endorsement, a landlord policy with STR coverage, or rely on a platform's host liability insurance.