Mount Vernon vs New Rochelle

Does my homeowner's policy cover Airbnb guests?

Usually not — most HO-3 policies exclude short-term commercial rentals. Get a specific STR rider.

Does Mount Vernon require STR liability insurance?

No. Neither Mount Vernon nor New York State mandates STR-specific insurance. However, Airbnb's Host Liability Insurance ($1M) is secondary to the host's primary policy, so $1M of liability coverage is recommended.

Could an insurance claim expose my Mount Vernon Airbnb?

Yes. Because STRs are not a permitted use in most Mount Vernon zones, a guest's insurance claim could disclose unpermitted operation to the Department of Buildings.

Is Airbnb's AirCover enough for New Rochelle's STR permit?

Yes. Airbnb's $1M Host Liability Insurance meets the $500,000 city minimum, but you should still confirm coverage in writing at registration.

Does my New Rochelle homeowner policy cover Airbnb hosting?

Usually not. Standard homeowner policies exclude commercial STR use; you need a rider or a dedicated STR policy.

What liability minimum does Chapter 133 require for STR hosts?

At least $500,000 in liability insurance covering short-term rental use, verified at registration with the Bureau of Buildings.