Insurance Requirements: Camarillo vs Simi Valley
How do insurance requirements rules compare between Camarillo, CA and Simi Valley, CA?
Camarillo has fewer restrictions than Simi Valley.
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 →Simi Valley, CA
Ventura County
Simi Valley does not impose STR liability insurance minimums because short-term rentals are not an allowable land use under SVMC 9-22.030.A.1. A 2024-2026 draft ordinance would have required liability insurance, but the Planning Commission voted 4-0 on March 4, 2026 to recommend keeping the prohibition.
View full Simi Valley rules →Key Facts Comparison
| Fact | Camarillo | Simi Valley |
|---|---|---|
| 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 | - |
| City Insurance Minimum | - | None (STRs banned) |
| Code Section | - | SVMC 9-22.030.A.1 |
| Permit Pathway | - | Does not exist |
| Draft Ordinance | - | Required liability insurance (not adopted) |
| Commission Vote | - | 4-0 ban recommendation, Mar 4, 2026 |
| Long-Term Rentals | - | Use standard landlord policy |
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.
Simi Valley FAQ
How much liability insurance does Simi Valley require for short-term rentals?
None, because Simi Valley does not allow short-term rentals under SVMC 9-22.030.A.1. There is no STR permit to which an insurance requirement could attach.
Did the proposed STR ordinance require insurance?
Yes, the draft would have required liability insurance plus an annual permit and business tax certificate, but the Planning Commission recommended rejecting the program on March 4, 2026.
Does Airbnb's AirCover let me legally host in Simi Valley?
No. Platform host-protection programs do not override the citywide STR prohibition in SVMC 9-22.030.A.1.
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