Insurance Requirements: Antioch vs San Ramon

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 San Ramon require liability insurance for short-term rentals?

Yes. Zoning Ordinance D4-27.C.2.i requires proof of insurance demonstrating the property is insured for STR use, and D4-27.C.2.j requires the operator to hold harmless, indemnify, and defend the City for claims related to the registration.

Is there a minimum coverage amount in the San Ramon ordinance?

The ordinance does not state a specific dollar minimum. The Director reviews each application under D4-27.E and may impose additional conditions. Confirm acceptable coverage with Planning Services at (925) 973-2560 before applying.

Will my homeowner's policy cover an Airbnb in San Ramon?

Most California homeowner policies exclude commercial rental activity. Operators typically need a landlord, business pursuits, or dedicated STR endorsement. Platform coverage like AirCover or Vrbo Liability Insurance is supplemental and does not by itself satisfy the city's proof-of-insurance condition.

What happens if my insurance lapses while I am operating?

Lapsed coverage violates the registration conditions and can trigger code enforcement under Title B and a Zoning Administrator hearing under D4-27.G to revoke the registration; a revoked STR cannot be re-registered for 12 months.