Insurance Requirements: Brentwood vs Martinez

How much liability insurance does Brentwood require for short-term rentals?

None, because Brentwood prohibits short-term rentals under Chapter 17.796. There is no STR permit to which an insurance requirement could attach.

Does Airbnb's AirCover let me legally host in Brentwood?

No. Platform host-protection programs do not override the citywide STR ban in BMC 17.796.

What insurance applies to a 31-day or longer rental?

A standard landlord/dwelling policy is typical. Long-term rentals are not STRs, so the Chapter 17.796 prohibition does not apply, but Brentwood's Rental Inspection Program may.

Does Martinez require a short-term rental host to carry liability insurance?

No. Martinez has not adopted a short-term rental ordinance and does not impose a minimum liability-insurance amount, certificate-of-insurance filing, or additional-insured requirement on STR operators. Any insurance condition would only arise case-by-case through a bed-and-breakfast or conditional use approval under Section 22.04.051.

Does California state law require STR insurance?

No. California does not have a statewide minimum liability-insurance requirement for short-term rentals. AB 2873 (2022) is unrelated - it addresses affordable-housing tax credit allocation and supplier diversity, not STR insurance. Any STR insurance minimum comes from the local city or county, and Martinez has not adopted one.

Will my homeowner's policy cover Airbnb or Vrbo guests?

Usually not. A standard homeowner's policy typically treats paid short-term lodging as a business use and may deny claims tied to a paying guest. Most hosts purchase a dedicated short-term rental policy or commercial landlord policy, often with $1 million per-occurrence liability. Platform programs like Airbnb's AirCover supplement rather than replace a host's own primary coverage.