Insurance Requirements: Buffalo vs Clarence
How do insurance requirements rules compare between Buffalo, NY and Clarence, NY?
Buffalo, NY
Erie County
Buffalo STR license applicants must provide proof of liability insurance with minimum 500,000 dollars per occurrence coverage that specifically names short-term rental use. Standard homeowners policies typically exclude commercial rental activity.
View full Buffalo rules →Clarence, NY
Erie County
No data available yet for Clarence.
Key Facts Comparison
| Fact | Buffalo | Clarence |
|---|---|---|
| Minimum Liability | 500,000 dollars per occurrence | - |
| Aggregate | 1,000,000 dollars | - |
| Homeowners | Typically excludes STR | - |
| Airbnb AirCover | 1 million host liability | - |
| Lapse | Must notify city | - |
Highlighted rows indicate differences between cities.
Buffalo FAQ
Does my homeowners policy cover Buffalo STR?
Usually no. Most HO-3 policies exclude commercial rental. Get a dedicated STR or commercial policy.
Is platform insurance enough?
Airbnb and Vrbo offer host coverage but Buffalo requires a certificate of insurance in your name. Platform coverage is supplementary, not a substitute.
Clarence FAQ
No FAQs available.
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