Insurance Requirements: Huntington Beach vs Santa Ana
How do insurance requirements rules compare between Huntington Beach, CA and Santa Ana, CA?
Huntington Beach has fewer restrictions than Santa Ana.
Huntington Beach, CA
Orange County
Huntington Beach requires STR operators to maintain liability insurance as a condition of their permit under HBMC Chapter 5.120. The STR permit application fee is $624. All operators must comply with insurance and operational requirements.
View full Huntington Beach rules →Santa Ana, CA
Orange County
Short-term rentals are completely banned in Santa Ana. The city council voted unanimously to prohibit all STR operations, so insurance requirements are moot. No permits are issued and no grandfathering provisions exist.
View full Santa Ana rules →Key Facts Comparison
| Fact | Huntington Beach | Santa Ana |
|---|---|---|
| Insurance | Liability insurance required | N/A — activity is prohibited |
| Permit Fee | $624 | - |
| Zone 1 | Hosted STR only | - |
| Zone 2 (Sunset Beach) | Hosted and unhosted | - |
| TOT + TBID | 10% + 6% | - |
| STR Status | - | Completely banned |
| Permits Available | - | None — no permit system |
| Grandfathering | - | None |
| Enforcement | - | Active — cease-and-desist orders |
Highlighted rows indicate differences between cities.
Huntington Beach FAQ
Do I need insurance for an STR in Huntington Beach?
Yes. Liability insurance is required as a condition of the STR permit under HBMC Chapter 5.120.
What is the STR permit fee?
The application fee is $624.
Santa Ana FAQ
Do I need insurance for a short-term rental in Santa Ana?
Short-term rentals are completely banned in Santa Ana. No permits are available and no insurance requirements exist because the activity itself is prohibited.
Can I list my Santa Ana property on Airbnb?
No. Short-term rentals are prohibited in Santa Ana. Listing or operating an STR may result in fines and cease-and-desist orders from the city.
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