Insurance Requirements: Fullerton vs Newport Beach

Do I need insurance to run a short-term rental in Fullerton?

Yes. Fullerton requires STR hosts to maintain liability insurance as a condition of their permit. Proof of coverage must be submitted with the application.

Does Airbnb's host insurance satisfy Fullerton's requirement?

Platform-provided insurance programs typically do not satisfy the city's independent insurance requirement. Hosts should obtain their own policy.

Does my homeowner's insurance cover short-term rentals?

Many standard homeowner's policies exclude commercial rental activity. Check with your insurance provider to confirm coverage or obtain a rider.

What insurance do I need for my STR?

Commercial general liability with minimum $500,000 per occurrence. Standard homeowners policies often exclude short-term rental activity.

Does the city need to be named on my policy?

Yes. The City of Newport Beach must be named as an additional insured or certificate holder on the liability policy.

What if my insurance lapses?

A lapse in coverage may result in permit suspension. You must maintain continuous insurance throughout the permit period.