Insurance Requirements: Camarillo vs Moorpark

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.

What insurance is needed for a Moorpark short-term rental?

Commercial general liability insurance with at least $1 million per occurrence, naming the City of Moorpark as additional insured. Standard homeowner's policies do not cover STR activity.

Does Airbnb's insurance meet Moorpark's STR requirements?

Likely not. Airbnb's Host Protection Insurance does not name the City of Moorpark as additional insured. You will need a separate commercial liability policy or rider from your insurer.

Do horse property STRs need special insurance in Moorpark?

If guests will have access to horses or equestrian facilities, verify your liability policy covers equestrian-related injuries and activities. Standard STR insurance may exclude animal-related claims.