Insurance Requirements: Richmond vs San Ramon

Does Richmond, CA require a specific liability insurance amount for STRs?

No dollar minimum is specified in the published STR program. Operators must still hold a business license, pay 10% TOT, and pass a safety inspection.

Will my homeowners policy cover short-term rentals in Richmond?

Usually no. Standard homeowners policies exclude commercial rental activity; most carriers require a short-term rental endorsement or a dedicated STR policy.

What licensing does Richmond require before I can list?

A Class E business license per property, a Transient Occupancy Tax registration certificate, Home Occupation Authorization, and a passing property safety inspection.

Does San Ramon require liability insurance for short-term rentals?

Yes. Zoning Ordinance D4-27.C.2.i requires proof of insurance demonstrating the property is insured for STR use, and D4-27.C.2.j requires the operator to hold harmless, indemnify, and defend the City for claims related to the registration.

Is there a minimum coverage amount in the San Ramon ordinance?

The ordinance does not state a specific dollar minimum. The Director reviews each application under D4-27.E and may impose additional conditions. Confirm acceptable coverage with Planning Services at (925) 973-2560 before applying.

Will my homeowner's policy cover an Airbnb in San Ramon?

Most California homeowner policies exclude commercial rental activity. Operators typically need a landlord, business pursuits, or dedicated STR endorsement. Platform coverage like AirCover or Vrbo Liability Insurance is supplemental and does not by itself satisfy the city's proof-of-insurance condition.

What happens if my insurance lapses while I am operating?

Lapsed coverage violates the registration conditions and can trigger code enforcement under Title B and a Zoning Administrator hearing under D4-27.G to revoke the registration; a revoked STR cannot be re-registered for 12 months.