Insurance Requirements: Camarillo vs Fillmore

What insurance do I need for a short-term rental in Camarillo?

You need commercial general liability insurance with at least $1 million per occurrence that names the City of Camarillo as additional insured. Standard homeowner's policies typically do not cover STR activity.

Does Airbnb's insurance satisfy Camarillo's STR requirements?

Airbnb's Host Protection Insurance may not satisfy the requirement because it does not name the City of Camarillo as additional insured. You likely need a separate commercial liability policy or rider.

What happens if my STR insurance lapses in Camarillo?

You must notify the city within 48 hours and suspend all rental activity. Your STR permit is suspended until insurance is reinstated. Operating during suspension results in a $1,000 fine and potential permit revocation.

Do I need special insurance for a short-term rental in Fillmore?

Yes, it is strongly recommended. Standard homeowner's insurance typically excludes commercial short-term rental activity. Get a specialized STR policy or endorsement with at least $1 million in liability coverage.

Does Airbnb insurance cover me in Fillmore?

Airbnb's Host Protection Insurance provides some coverage but has limitations and exclusions. It should supplement, not replace, your own liability insurance policy.

How much insurance do I need for a short-term rental?

At least $1,000,000 in general liability coverage is recommended. An umbrella policy can provide additional protection beyond the primary policy limits.