Insurance Requirements: Oxnard vs Simi Valley
How do insurance requirements rules compare between Oxnard, CA and Simi Valley, CA?
Oxnard and Simi Valley have similar restriction levels.
Oxnard, CA
Ventura County
Oxnard requires short-term rental operators to maintain liability insurance covering the rental property. Proof of insurance must be provided with the STR permit application and maintained throughout the permit period.
View full Oxnard 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 | Oxnard | Simi Valley |
|---|---|---|
| Coverage Required | General liability insurance | - |
| Minimum | $500K–$1M typical | - |
| Certificate | City named as additional insured | - |
| Must Be Current | No gaps during permit period | - |
| 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.
Oxnard FAQ
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.
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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