Insurance Requirements: Folsom vs Isleton
How do insurance requirements rules compare between Folsom, CA and Isleton, CA?
Isleton has fewer restrictions than Folsom.
Folsom, CA
Sacramento County
Folsom requires STR operators to carry liability insurance of at least $1,000,000 per occurrence, naming the City as an additional insured is sometimes required. Platform-provided coverage (Airbnb AirCover) alone may not satisfy the requirement.
View full Folsom rules →Isleton, CA
Sacramento County
Isleton has not adopted a local short-term rental ordinance and does not impose a minimum dollar amount of liability insurance on STR hosts. California state law requires hosting platforms (Airbnb, Vrbo) to advise hosts to confirm their own coverage. Standard homeowner policies typically exclude transient rental activity, so an STR endorsement or platform host coverage is strongly recommended.
View full Isleton rules →Key Facts Comparison
| Fact | Folsom | Isleton |
|---|---|---|
| Minimum | $1M per occurrence | - |
| Proof | COI required at application | - |
| Homeowners | Usually excludes STR activity | - |
| Airbnb Coverage | Secondary, may not satisfy city | - |
| Local Mandated Minimum | - | None (no STR ordinance adopted) |
| State Notice Duty | - | Required of hosting platforms |
| Cancellation Statute | - | CA Civil Code § 1748.81 |
| Typical Platform Coverage | - | Up to $1M (Airbnb / Vrbo) |
| Homeowner Policy | - | Generally excludes STR use |
| Sacramento County STR Rules | - | Unincorporated areas only |
Highlighted rows indicate differences between cities.
Folsom FAQ
Is my homeowners policy enough for Folsom STR?
Almost certainly not. Standard homeowners excludes business activity. Get a commercial STR policy or rider.
Does Airbnb's insurance meet the Folsom requirement?
Airbnb's coverage is secondary and platform-only. Folsom typically requires primary coverage of $1M from an insurer.
Isleton FAQ
Does Isleton require a specific amount of liability insurance for a short-term rental?
No. Isleton has not adopted a dedicated short-term rental ordinance and has no STR-specific insurance minimum. California state law does require hosting platforms to advise hosts to confirm their own coverage, and most hosts carry an STR endorsement or rely on platform host liability insurance (commonly up to $1,000,000).
Will my regular homeowner's policy cover my Isleton short-term rental?
Usually not. Standard homeowner's and renter's policies typically exclude short-term/transient rental activity. California state law requires hosting platforms to advise hosts to review their policy for STR restrictions, and most hosts add an STR endorsement, switch to a landlord policy with STR coverage, or rely on the platform's primary host liability coverage.
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