San Bernardino vs Victorville
How do insurance requirements rules compare between San Bernardino, CA and Victorville, CA?
Victorville has fewer restrictions than San Bernardino.
San Bernardino, CA
San Bernardino County
San Bernardino STR permits require proof of liability insurance of at least 500,000 dollars per occurrence. Standard HO-3 policies exclude STR use, so operators carry an STR endorsement or commercial general liability.
View full San Bernardino rules →Victorville, CA
San Bernardino County
Victorville typically requires STR operators to carry 500,000 to 1,000,000 dollars liability and list the city as certificate holder. Platform host-protection is secondary coverage only.
View full Victorville rules →Key Facts Comparison
| Fact | San Bernardino | Victorville |
|---|---|---|
| Minimum Liability | 500,000 dollars per occurrence | - |
| Policy Type | STR or commercial GL endorsement | - |
| Platform Coverage | Secondary only | - |
| Additional Insured | City on request | - |
| Renewal Proof | Annual at registration | - |
| Minimum coverage | - | 500,000 to 1,000,000 per occurrence |
| Policy type | - | STR endorsement or commercial GL |
| City naming | - | Certificate holder, sometimes additional insured |
| Platform coverage | - | Secondary, not sole compliance |
| Renewal | - | New COI each year |
Highlighted rows indicate differences between cities.
San Bernardino FAQ
Does my homeowner policy cover my San Bernardino Airbnb?
Usually not. Standard HO-3 policies exclude business or transient use of the dwelling. You need an STR endorsement, a commercial general liability policy, or a home-sharing rider to satisfy the city requirement.
Is Airbnb Host Protection enough for the city permit?
No. Airbnb Host Liability Insurance is secondary and triggered only for platform bookings. San Bernardino requires primary operator coverage, so you still need your own STR policy alongside the platform benefit.
Victorville FAQ
Is my regular homeowner policy enough for a Victorville STR?
Usually not. Most homeowner policies exclude business use, so a short-term rental endorsement or a commercial lodging policy is typically required.
What happens if my insurance lapses mid-year?
A lapse in coverage is grounds for immediate suspension of the STR permit until a new certificate of insurance is filed with the city.
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