Insurance Requirements: Richmond vs Walnut Creek

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 Walnut Creek require liability insurance for short-term rentals?

No, because Walnut Creek does not list short-term rental as a permitted use and does not issue STR permits. The city has no STR-specific insurance minimum.

Will my homeowner's insurance cover an Airbnb in Walnut Creek?

Most California homeowner policies exclude commercial rental activity, so claims arising from a paid stay under 31 days may be denied. Operating one in Walnut Creek also remains a zoning violation regardless of insurance status.

Can I run an STR out of my ADU if I have insurance?

Short-term rental in an accessory dwelling unit requires a Conditional Use Permit from Walnut Creek Planning, and insurance alone does not authorize the use. Contact DutyPlanner@walnut-creek.org before listing.