Insurance Requirements: Berkeley vs Fremont
How do insurance requirements rules compare between Berkeley, CA and Fremont, CA?
Fremont has fewer restrictions than Berkeley.
Berkeley, CA
Alameda County
Berkeley requires STR hosts to carry at least 500,000 dollars in liability insurance covering short-term rental activity, or use a platform that provides equivalent coverage.
View full Berkeley rules →Fremont, CA
Alameda County
Fremont STR registrations typically require proof of at least 1 million dollars in liability insurance covering short-term rental activity, either host-provided or platform-provided.
View full Fremont rules →Key Facts Comparison
| Fact | Berkeley | Fremont |
|---|---|---|
| Minimum Coverage | 500,000 dollars per occurrence | - |
| Type | Commercial general liability with STR endorsement | - |
| Platform Alternative | AirCover or VRBO Liability acceptable | - |
| Proof | Required at permit application | - |
| Homeowner Policy | Usually excludes STR activity | - |
| Minimum liability | - | 1 million dollars per occurrence |
| Proof at registration | - | Certificate of insurance required |
| Platform coverage | - | Airbnb AirCover or VRBO may satisfy |
| HO-3 gaps | - | Commercial rental often excluded |
| Renewal | - | Annual proof of continuing coverage |
Highlighted rows indicate differences between cities.
Berkeley FAQ
Does Airbnb AirCover meet Berkeley requirements?
Airbnb AirCover for Hosts provides 1 million dollars in liability coverage per stay, which exceeds Berkeley minimum of 500,000 dollars.
Can I just use my regular homeowner insurance?
Usually no. Most standard policies exclude commercial rental activity. Call your insurer about an STR endorsement.
Fremont FAQ
Does Airbnb AirCover replace my homeowner policy?
No. AirCover is supplemental and does not cover your building structure or off-platform bookings. Maintain your homeowner policy with an STR endorsement.
What if I have a mortgage?
Most lenders require the property to remain insured as a residence. Notify your lender of STR use; some require a commercial policy.
Compare other topics
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