Insurance Requirements: Brentwood vs Oakley

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 Oakley require a specific amount of liability insurance for a short-term rental?

Oakley Municipal Code Chapter 5.15 does not set a specific dollar minimum for STR liability insurance. The chapter instead makes the owner personally responsible for all guest and occupant conduct, so most hosts carry an STR-specific policy or rely on a hosting platform that provides primary host liability coverage (commonly up to $1,000,000).

Will my regular homeowner's policy cover my Oakley short-term rental?

Usually not. Standard homeowner's and renter's policies typically exclude short-term/transient rental activity. California state law requires hosting platforms to advise hosts to review their policy for short-term rental restrictions, and most Oakley hosts add a short-term rental endorsement, a landlord policy with STR coverage, or rely on a platform's host liability insurance.