Insurance Requirements: Moorpark vs Oxnard

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 Oxnard short-term rental?

You need general liability insurance covering guest injuries and property damage. Proof of current coverage must be submitted with your STR permit application and maintained throughout the permit period.

Does Airbnb host protection cover Oxnard's requirement?

Platform host protection insurance may supplement but typically does not satisfy Oxnard's local insurance requirement. You should carry a separate liability policy naming the city.

What happens if my STR insurance lapses?

Your STR permit may be suspended immediately. You must not operate the rental until coverage is restored and proof is submitted to the city.