Encinitas vs San Diego
How do insurance requirements rules compare between Encinitas, CA and San Diego, CA?
Encinitas, CA
San Diego County
No data available yet for Encinitas.
San Diego, CA
San Diego County
San Diego's STRO ordinance requires hosts to maintain active Transient Occupancy Tax (TOT) certificates and Rental Unit Business Tax accounts. Hosts who are not property owners must also hold a Business Tax Certificate and provide a right-to-occupy document. Liability insurance is strongly recommended though specific minimum coverage amounts are governed by platform requirements rather than the municipal code.
View full San Diego rules →Key Facts Comparison
| Fact | Encinitas | San Diego |
|---|---|---|
| TOT Certificate | - | Active certificate required for all hosts |
| Business Tax | - | Rental Unit Business Tax account mandatory |
| Non-Owners | - | Business Tax Certificate + right-to-occupy document |
| Licensing | - | Non-transferable; one license per host |
| Effective Date | - | Licensing required since May 1, 2023 |
Highlighted rows indicate differences between cities.
Encinitas FAQ
No FAQs available.
San Diego FAQ
What insurance do I need to operate an STR in San Diego?
The STRO ordinance requires TOT and business tax compliance. Most hosting platforms provide host liability coverage, but additional landlord or short-term rental insurance is recommended.
How much are STRO license fees?
As of March 2025, application fees range from $33-$41 plus licensing fees of $193-$1,129 depending on the tier.
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