Insurance Requirements: Camarillo vs Thousand Oaks

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.

Do I need special insurance for my Thousand Oaks short-term rental?

Yes. Standard homeowner's insurance typically excludes commercial rental activities. Obtain a commercial liability policy or endorsement with at least $1,000,000 per occurrence coverage. Platform-provided insurance is supplemental only.

Does Airbnb's host protection cover my Thousand Oaks rental?

Airbnb and similar platforms provide supplemental coverage but it contains exclusions and should not replace your own commercial liability policy. Gaps in platform coverage may leave you personally liable for guest injuries or property damage.

Can the city request proof of insurance for my STR?

Yes. The city's Community Development Department may request proof of insurance during rental compliance reviews. Operating without adequate coverage may result in enforcement action. Contact Code Enforcement at (805) 449-2100 for requirements.