Insurance Requirements: Jackson vs Lakewood

Does Jackson Township require insurance for an Airbnb?

Yes. Chapter 350 requires the owner to maintain all required insurances in sufficient coverage amounts and furnish proof to the Township. The Code does not set a specific dollar minimum, but the statewide N.J.S.A. 46:8-39 floor of $300,000 to $500,000 applies.

Will my homeowners policy meet Jackson's STR insurance requirement?

Usually not. Standard New Jersey homeowner policies typically exclude commercial or transient-rental use. Most carriers require a short-term-rental endorsement or separate landlord policy that meets the statewide $300,000-$500,000 liability floor.

Does Lakewood Township require liability insurance for an Airbnb?

No. Neither Chapter 15 (Rental Housing) nor Chapter 18 (UDO) of the Lakewood Township Code sets a minimum liability-insurance limit for short-term or long-term rentals, and New Jersey state law under N.J.S.A. 54:32D does not impose one either. Insurance is treated as a private risk-management decision rather than a permit condition in Lakewood.

Will my standard homeowners policy cover Airbnb guests in Lakewood?

Usually no. Standard New Jersey homeowner policies typically exclude commercial or transient-rental use, so most carriers require a short-term-rental endorsement or a separate landlord/STR policy before an Airbnb claim would be paid. Airbnb's AirCover and Vrbo's Liability Insurance provide secondary protection up to $1,000,000 per occurrence on covered platforms but are not a substitute for primary coverage.