Insurance Requirements: Moorpark vs Simi Valley
How do insurance requirements rules compare between Moorpark, CA and Simi Valley, CA?
Moorpark has fewer restrictions than Simi Valley.
Moorpark, CA
Ventura County
Moorpark requires short-term rental operators to maintain liability insurance of at least $1 million per occurrence. The policy must name the City of Moorpark as additional insured and specifically cover short-term rental activity.
View full Moorpark rules →Simi Valley, CA
Ventura County
Simi Valley does not impose STR liability insurance minimums because short-term rentals are not an allowable land use under SVMC 9-22.030.A.1. A 2024-2026 draft ordinance would have required liability insurance, but the Planning Commission voted 4-0 on March 4, 2026 to recommend keeping the prohibition.
View full Simi Valley rules →Key Facts Comparison
| Fact | Moorpark | Simi Valley |
|---|---|---|
| Minimum Coverage | $1,000,000 per occurrence | - |
| Additional Insured | City of Moorpark must be named | - |
| Horse Property STRs | Verify equestrian activity coverage | - |
| Code Enforcement | (805) 517-6200 | - |
| City Insurance Minimum | - | None (STRs banned) |
| Code Section | - | SVMC 9-22.030.A.1 |
| Permit Pathway | - | Does not exist |
| Draft Ordinance | - | Required liability insurance (not adopted) |
| Commission Vote | - | 4-0 ban recommendation, Mar 4, 2026 |
| Long-Term Rentals | - | Use standard landlord policy |
Highlighted rows indicate differences between cities.
Moorpark FAQ
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.
Simi Valley FAQ
How much liability insurance does Simi Valley require for short-term rentals?
None, because Simi Valley does not allow short-term rentals under SVMC 9-22.030.A.1. There is no STR permit to which an insurance requirement could attach.
Did the proposed STR ordinance require insurance?
Yes, the draft would have required liability insurance plus an annual permit and business tax certificate, but the Planning Commission recommended rejecting the program on March 4, 2026.
Does Airbnb's AirCover let me legally host in Simi Valley?
No. Platform host-protection programs do not override the citywide STR prohibition in SVMC 9-22.030.A.1.
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