Insurance Requirements: Fresno vs Selma
How do insurance requirements rules compare between Fresno, CA and Selma, CA?
Selma has fewer restrictions than Fresno.
Fresno, CA
Fresno County
Fresno requires STR operators to carry commercial general liability insurance of at least $1,000,000 per occurrence, or to verify equivalent coverage through their hosting platform. Proof of insurance must be submitted with the STR permit application and kept current throughout the permit term.
View full Fresno 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 | Fresno | Selma |
|---|---|---|
| - | - | |
| Local Requirement | - | None |
| State Mandate | - | None for STR insurance |
| Platform Coverage | - | Airbnb AirCover up to $1M |
| Recommendation | - | Commercial liability policy |
Highlighted rows indicate differences between cities.
Fresno FAQ
Does Airbnb insurance cover my Fresno STR permit requirement?
Airbnb AirCover provides $1M host liability that can satisfy the requirement for Airbnb-booked stays. You must submit documentation to the city and understand it only applies to Airbnb bookings.
Do I need special STR insurance in Fresno?
Standard homeowners insurance usually excludes short-term rental use, so yes, you typically need a dedicated STR policy or commercial landlord policy with at least $1M liability.
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.
Compare other topics
See how Fresno and Selma compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool