Clovis vs Selma
How do insurance requirements rules compare between Clovis, CA and Selma, CA?
Selma 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 →Selma, CA
Fresno County
Selma does not mandate specific insurance for short-term rental operators. California law does not require STR-specific liability coverage at the state level. Platforms like Airbnb provide host protection insurance, but operators should carry their own commercial or landlord policy.
View full Selma rules →Key Facts Comparison
| Fact | Clovis | Selma |
|---|---|---|
| Minimum Coverage | $500,000 liability | - |
| Preferred | $1M liability | - |
| Platform Coverage | May qualify | Airbnb AirCover up to $1M |
| Standard HO Policy | Often excludes | - |
| COI | Renewal check | - |
| Local Requirement | - | None |
| State Mandate | - | None for STR insurance |
| Recommendation | - | Commercial liability 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.
Selma FAQ
Does Selma require insurance for short-term rentals?
No. Selma has no STR insurance requirement. However, standard homeowner's policies typically exclude commercial rental activity, so a separate policy is recommended.
Does Airbnb insurance cover my Selma rental?
Airbnb AirCover provides up to one million dollars in host liability protection, but it is supplemental. Operators should carry their own commercial or landlord policy for full coverage.
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