Insurance Requirements: Camarillo vs Ojai

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 do I need for an Ojai short-term rental?

You need at least $1,000,000 in commercial general liability insurance naming the City of Ojai as additional insured. Given the wildfire risk, ensure your policy covers fire-related incidents.

Does Airbnb insurance meet Ojai's requirement?

No. Airbnb Host Protection and similar platform coverage do not replace the city's requirement for a separate commercial general liability policy with the city named as additional insured.

What if I can't get STR insurance in the fire zone?

Consult with a commercial insurance broker experienced in high-fire-risk areas. The California FAIR Plan may provide a baseline. Contact Community Development at (805) 646-5581 for guidance on meeting the insurance requirement.