Insurance Requirements: Moorpark vs Ventura
How do insurance requirements rules compare between Moorpark, CA and Ventura, CA?
Moorpark and Ventura have similar restriction levels.
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 →Ventura, CA
Ventura County
Ventura's STR program requires $1 million per-occurrence short-term rental liability insurance as a condition of permit issuance, plus a $1,500 surety bond under SBMC §6.455.050(C). The bond pays civil penalties assessed against the permittee or any tenant/guest for code violations and is waivable only if the lease forbids parties between 10 p.m. and 7 a.m.
View full Ventura rules →Key Facts Comparison
| Fact | Moorpark | Ventura |
|---|---|---|
| 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 | - |
| Liability insurance | - | $1 million per occurrence (city Quick Reference / program requirement) |
| Surety bond | - | $1,500, A.M. Best 'A-' or better, city as obligee (SBMC §§6.455.050(C), 6.455.080) |
| Bond waiver | - | Available only if lease bans parties 10 p.m.–7 a.m. (§6.455.125(G)(9)) |
| Bond covers | - | Civil penalties against owner OR tenant/guest for any code violation |
| Lapse penalty | - | Misdemeanor + possible permit revocation (§§6.455.150(D), 6.455.160) |
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.
Ventura FAQ
How much liability insurance do I need for a Ventura STR?
$1 million per occurrence in short-term rental liability coverage, per the City of Ventura's published STVR program requirements. The figure is administered under SBMC §6.455.030's grant of interpretive authority to the permit administrator.
What does the $1,500 surety bond cover?
Civil penalties under SBMC Ch. 1.50 assessed against either you or any tenant/guest for violating Ch. 6.455 or any other code provision (noise, trash, parking, building). The city draws on the bond first; you must re-fund it to keep the permit (SBMC §6.455.080).
Can I avoid the surety bond?
Yes. Under §6.455.125(G)(9), if your rental agreement forbids parties and loud social events between 10:00 p.m. and 7:00 a.m., the §6.455.050 bond is waived. The lease must include that explicit prohibition.
Compare other topics
See how Moorpark and Ventura compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool