Los Angeles vs New York
How do insurance requirements rules compare between Los Angeles, CA and New York, NY?
Los Angeles and New York have similar restriction levels.
Los Angeles, CA
Los Angeles County
The Home-Sharing Ordinance does not mandate a specific insurance policy, but standard homeowner or renter policies typically exclude commercial activity. The city strongly recommends dedicated STR insurance covering guest injury, property damage, and legal defense. Hosting platforms like Airbnb provide supplemental coverage but it may have gaps.
View full Los Angeles rules →New York, NY
New York County
NYC does not mandate a specific insurance policy for short-term rental hosts, but the registration process under Local Law 18 requires hosts to comply with all applicable laws including building insurance requirements. Most co-op and condo boards require liability coverage, and standard homeowner policies often exclude STR activity.
View full New York rules →Key Facts Comparison
| Fact | Los Angeles | New York |
|---|---|---|
| Mandate | No specific policy required by city | - |
| Recommendation | Dedicated STR insurance strongly advised | - |
| Homeowner Policy | Typically excludes commercial hosting | - |
| Platform Coverage | May have gaps in liability | Airbnb offers $1M supplemental |
| City Mandate | - | No specific STR insurance required |
| Building Rules | - | Most co-ops/condos require coverage |
| Hotel Tax | - | 5.875% + $2/night |
| Common Requirement | - | $1M liability from building |
Highlighted rows indicate differences between cities.
Los Angeles FAQ
Does my homeowner insurance cover short-term rentals?
Often no. Standard homeowner policies may exclude commercial rental activity. Check with your insurer about adding a rider.
Does Airbnb insurance satisfy local requirements?
Platform-provided insurance may not meet Los Angeles requirements. Verify with your local permitting office.
New York FAQ
Do I need insurance to run an Airbnb in NYC?
NYC does not mandate STR-specific insurance, but your building likely does. Most co-op and condo boards require additional liability coverage, and standard homeowner/renter policies often exclude STR activity.
What taxes do NYC short-term rental hosts pay?
Hosts must collect NYC hotel occupancy tax of 5.875% plus a $2 per night unit fee. Platforms like Airbnb may collect this automatically in some cases.
Compare other topics
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