Insurance Requirements: Moorpark vs Ojai

What insurance is needed for a Moorpark short-term rental?

Commercial general liability insurance with at least $1 million per occurrence, naming the City of Moorpark as additional insured. Standard homeowner's policies do not cover STR activity.

Does Airbnb's insurance meet Moorpark's STR requirements?

Likely not. Airbnb's Host Protection Insurance does not name the City of Moorpark as additional insured. You will need a separate commercial liability policy or rider from your insurer.

Do horse property STRs need special insurance in Moorpark?

If guests will have access to horses or equestrian facilities, verify your liability policy covers equestrian-related injuries and activities. Standard STR insurance may exclude animal-related claims.

What insurance do I need for an Ojai short-term rental?

You need at least $1,000,000 in commercial general liability insurance naming the City of Ojai as additional insured. Given the wildfire risk, ensure your policy covers fire-related incidents.

Does Airbnb insurance meet Ojai's requirement?

No. Airbnb Host Protection and similar platform coverage do not replace the city's requirement for a separate commercial general liability policy with the city named as additional insured.

What if I can't get STR insurance in the fire zone?

Consult with a commercial insurance broker experienced in high-fire-risk areas. The California FAIR Plan may provide a baseline. Contact Community Development at (805) 646-5581 for guidance on meeting the insurance requirement.