Insurance Requirements: Fillmore vs Ventura
How do insurance requirements rules compare between Fillmore, CA and Ventura, CA?
Fillmore and Ventura have similar restriction levels.
Fillmore, CA
Ventura County
Fillmore may require short-term rental operators to carry liability insurance. Standard homeowner's insurance typically does not cover STR commercial activity. Platforms like Airbnb provide host protection insurance, but separate coverage is recommended.
View full Fillmore rules →Ventura, CA
Ventura County
Ventura's STR program requires $1 million per-occurrence short-term rental liability insurance as a condition of permit issuance, plus a $1,500 surety bond under SBMC §6.455.050(C). The bond pays civil penalties assessed against the permittee or any tenant/guest for code violations and is waivable only if the lease forbids parties between 10 p.m. and 7 a.m.
View full Ventura rules →Key Facts Comparison
| Fact | Fillmore | Ventura |
|---|---|---|
| Recommended Coverage | $1,000,000+ liability | - |
| Homeowner's Policy | Typically does not cover STR | - |
| Platform Insurance | Has limitations | - |
| Endorsement | STR-specific policy recommended | - |
| Proof May Be Required | As part of STR permit | - |
| Liability insurance | - | $1 million per occurrence (city Quick Reference / program requirement) |
| Surety bond | - | $1,500, A.M. Best 'A-' or better, city as obligee (SBMC §§6.455.050(C), 6.455.080) |
| Bond waiver | - | Available only if lease bans parties 10 p.m.–7 a.m. (§6.455.125(G)(9)) |
| Bond covers | - | Civil penalties against owner OR tenant/guest for any code violation |
| Lapse penalty | - | Misdemeanor + possible permit revocation (§§6.455.150(D), 6.455.160) |
Highlighted rows indicate differences between cities.
Fillmore FAQ
Do I need special insurance for a short-term rental in Fillmore?
Yes, it is strongly recommended. Standard homeowner's insurance typically excludes commercial short-term rental activity. Get a specialized STR policy or endorsement with at least $1 million in liability coverage.
Does Airbnb insurance cover me in Fillmore?
Airbnb's Host Protection Insurance provides some coverage but has limitations and exclusions. It should supplement, not replace, your own liability insurance policy.
How much insurance do I need for a short-term rental?
At least $1,000,000 in general liability coverage is recommended. An umbrella policy can provide additional protection beyond the primary policy limits.
Ventura FAQ
How much liability insurance do I need for a Ventura STR?
$1 million per occurrence in short-term rental liability coverage, per the City of Ventura's published STVR program requirements. The figure is administered under SBMC §6.455.030's grant of interpretive authority to the permit administrator.
What does the $1,500 surety bond cover?
Civil penalties under SBMC Ch. 1.50 assessed against either you or any tenant/guest for violating Ch. 6.455 or any other code provision (noise, trash, parking, building). The city draws on the bond first; you must re-fund it to keep the permit (SBMC §6.455.080).
Can I avoid the surety bond?
Yes. Under §6.455.125(G)(9), if your rental agreement forbids parties and loud social events between 10:00 p.m. and 7:00 a.m., the §6.455.050 bond is waived. The lease must include that explicit prohibition.
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