Insurance Requirements: Camarillo vs Oxnard

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 Oxnard short-term rental?

You need general liability insurance covering guest injuries and property damage. Proof of current coverage must be submitted with your STR permit application and maintained throughout the permit period.

Does Airbnb host protection cover Oxnard's requirement?

Platform host protection insurance may supplement but typically does not satisfy Oxnard's local insurance requirement. You should carry a separate liability policy naming the city.

What happens if my STR insurance lapses?

Your STR permit may be suspended immediately. You must not operate the rental until coverage is restored and proof is submitted to the city.