Insurance Requirements: Camarillo vs Port Hueneme
How do insurance requirements rules compare between Camarillo, CA and Port Hueneme, CA?
Camarillo and Port Hueneme have similar restriction levels.
Camarillo, CA
Ventura County
Camarillo requires short-term rental operators to maintain minimum liability insurance coverage. Hosts must carry at least $1 million in commercial general liability insurance naming the city as additional insured.
View full Camarillo rules →Port Hueneme, CA
Ventura County
Port Hueneme STR operators should carry liability insurance covering short-term rental activities. While the PHMC does not specify a minimum coverage amount, platforms like Airbnb and VRBO provide host protection, and additional coverage is strongly recommended.
View full Port Hueneme rules →Key Facts Comparison
| Fact | Camarillo | Port Hueneme |
|---|---|---|
| Minimum Coverage | $1,000,000 per occurrence | - |
| Additional Insured | City of Camarillo must be named | - |
| Platform Insurance | May not satisfy city requirements | - |
| Code Enforcement | (805) 388-5360 | - |
| Recommended | - | Liability insurance covering STR activities |
| Homeowner Policy | - | Often excludes STR — check with insurer |
| Platform Coverage | - | Supplements but may not replace own policy |
| Permit Condition | - | City may require proof of coverage |
Highlighted rows indicate differences between cities.
Camarillo FAQ
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.
Port Hueneme FAQ
Do I need special insurance for my Port Hueneme STR?
Standard homeowner insurance often excludes short-term rental activities. You should obtain an STR-specific policy or rider. Check your permit conditions for any City insurance requirements.
Does Airbnb insurance cover my Port Hueneme rental?
Airbnb provides Host Protection Insurance, but it has exclusions and limitations. Carrying your own liability policy is strongly recommended as supplemental coverage.
What happens if my STR insurance lapses?
If insurance is a permit condition, lapsed coverage may result in permit suspension until you provide proof of reinstated coverage.
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