Insurance Requirements: Anza vs Temecula

Unincorporated STR hosts must maintain liability insurance of at least $500,000 (often $1 million in WUI areas) naming Riverside County as additional insured for wildfire risk.

Temecula requires STR operators to carry liability insurance, typically a minimum of $500,000 per occurrence, naming the city as additional insured or providing certificate of insurance with the permit application. Many platforms (Airbnb AirCover, Vrbo Liability Insurance) provide qualifying primary or secondary coverage. Lapse in coverage suspends the STR permit.