Insurance Requirements: Antioch vs Walnut Creek

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 Walnut Creek require liability insurance for short-term rentals?

No, because Walnut Creek does not list short-term rental as a permitted use and does not issue STR permits. The city has no STR-specific insurance minimum.

Will my homeowner's insurance cover an Airbnb in Walnut Creek?

Most California homeowner policies exclude commercial rental activity, so claims arising from a paid stay under 31 days may be denied. Operating one in Walnut Creek also remains a zoning violation regardless of insurance status.

Can I run an STR out of my ADU if I have insurance?

Short-term rental in an accessory dwelling unit requires a Conditional Use Permit from Walnut Creek Planning, and insurance alone does not authorize the use. Contact DutyPlanner@walnut-creek.org before listing.