Insurance Requirements: Clovis vs Fresno
How do insurance requirements rules compare between Clovis, CA and Fresno, CA?
Clovis has fewer restrictions than Fresno.
Clovis, CA
Fresno County
Clovis STR permits require proof of liability insurance covering short-term rental activity, typically $500,000-$1M minimum. Airbnb Host Protection/AirCover may qualify.
View full Clovis rules →Fresno, CA
Fresno County
Fresno requires STR operators to carry commercial general liability insurance of at least $1,000,000 per occurrence, or to verify equivalent coverage through their hosting platform. Proof of insurance must be submitted with the STR permit application and kept current throughout the permit term.
View full Fresno rules →Key Facts Comparison
| Fact | Clovis | Fresno |
|---|---|---|
| Minimum Coverage | $500,000 liability | - |
| Preferred | $1M liability | - |
| Platform Coverage | May qualify | - |
| Standard HO Policy | Often excludes | - |
| COI | Renewal check | - |
| - | - |
Highlighted rows indicate differences between cities.
Clovis FAQ
Does Clovis require insurance for short-term rentals?
The code does not specify a minimum insurance amount, but CMC 9.58.065(B) makes owners personally liable for all noncompliance regardless of who caused it. Adequate insurance is strongly recommended.
Am I liable for my guests' actions at my Clovis STR?
Yes. CMC 9.58.065(B) states the owner is not relieved of personal liability for noncompliance even when committed by agents, contact persons, or occupants.
Fresno FAQ
Does Airbnb insurance cover my Fresno STR permit requirement?
Airbnb AirCover provides $1M host liability that can satisfy the requirement for Airbnb-booked stays. You must submit documentation to the city and understand it only applies to Airbnb bookings.
Do I need special STR insurance in Fresno?
Standard homeowners insurance usually excludes short-term rental use, so yes, you typically need a dedicated STR policy or commercial landlord policy with at least $1M liability.
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