Insurance Requirements: Garden Grove vs Newport Beach

What insurance do I need for a short-term rental in Garden Grove?

You need a minimum of $500,000 in commercial general liability insurance with the City of Garden Grove named as an additional insured. Platform-provided host insurance may qualify if it meets the minimum threshold.

Does Airbnb host insurance count for Garden Grove STR permits?

Platform-provided host protection insurance may satisfy the requirement if it meets Garden Grove's $500,000 minimum coverage threshold. Verify with Community Development at (714) 741-5312 before relying solely on platform insurance.

What happens if my STR insurance lapses?

A lapse in insurance coverage is grounds for immediate suspension of your STR permit under Chapter 5.68. You must provide proof of renewed coverage and may face additional fees to reinstate.

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.