Clovis vs Reedley
How do insurance requirements rules compare between Clovis, CA and Reedley, CA?
Reedley has fewer restrictions than Clovis.
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 →Reedley, CA
Fresno County
Reedley has no STR insurance requirements in the municipal code. No minimum liability coverage is mandated. Operators should verify their homeowner's policy covers transient guests.
View full Reedley rules →Key Facts Comparison
| Fact | Clovis | Reedley |
|---|---|---|
| Minimum Coverage | $500,000 liability | - |
| Preferred | $1M liability | - |
| Platform Coverage | May qualify | - |
| Standard HO Policy | Often excludes | - |
| COI | Renewal check | - |
| Insurance Required | - | No city requirement |
| Minimum Liability | - | Not specified |
| State Mandate | - | None |
| Recommendation | - | CGL or home-share policy |
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.
Reedley FAQ
Does Reedley require insurance for short-term rentals?
No. Reedley does not require STR operators to carry specific insurance. However, operators are strongly advised to obtain liability coverage, as homeowner's policies may not cover commercial lodging.
What insurance should I get for my Reedley vacation rental?
Consider a commercial general liability policy or a home-sharing insurance endorsement. Platform-provided host protection insurance from Airbnb or VRBO is supplementary and may not cover all situations.
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