New Rochelle vs Yonkers
How do insurance requirements rules compare between New Rochelle, NY and Yonkers, NY?
New Rochelle and Yonkers have similar restriction levels.
New Rochelle, NY
Westchester County
New Rochelle STR hosts must carry at least $500,000 in liability insurance covering short-term rental use, or verify equivalent platform coverage (e.g., AirCover).
View full New Rochelle rules →Yonkers, NY
Westchester County
Yonkers does not require STR-specific insurance by ordinance. NY State Multiple Dwelling Law and standard landlord liability principles apply; most platforms provide host protection.
View full Yonkers rules →Key Facts Comparison
| Fact | New Rochelle | Yonkers |
|---|---|---|
| Minimum | $500,000 liability | - |
| Homeowner Policy | Often excludes STR | - |
| Platform Coverage | Generally accepted | - |
| Fine | Up to $1,000 | - |
| City requirement | - | None |
| Recommended | - | $1M STR liability rider |
| Platform coverage | - | Secondary only |
| Homeowner policy | - | Often excludes STR |
Highlighted rows indicate differences between cities.
New Rochelle FAQ
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.
Yonkers FAQ
Does Yonkers require STR liability insurance?
No city ordinance mandates it, but hosts should carry a dedicated STR rider because standard homeowner policies typically exclude transient rental activity.
How much STR insurance should a Yonkers host carry?
A $1 million general liability policy is typical for short-term rentals. Airbnb AirCover and VRBO Host Protection provide only limited secondary coverage.
Does Airbnb host protection replace STR insurance in Yonkers?
No. Platform coverage like AirCover is secondary only. Yonkers hosts should still obtain an STR rider or commercial policy because standard homeowner policies often exclude transient commercial use.
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