Insurance Requirements: Santa Paula vs Ventura
How do insurance requirements rules compare between Santa Paula, CA and Ventura, CA?
Santa Paula and Ventura have similar restriction levels.
Santa Paula, CA
Ventura County
Santa Paula requires short-term rental operators to maintain commercial general liability insurance of at least $1 million per occurrence naming the city as additional insured.
View full Santa Paula rules →Ventura, CA
Ventura County
Ventura's STR program requires $1 million per-occurrence short-term rental liability insurance as a condition of permit issuance, plus a $1,500 surety bond under SBMC §6.455.050(C). The bond pays civil penalties assessed against the permittee or any tenant/guest for code violations and is waivable only if the lease forbids parties between 10 p.m. and 7 a.m.
View full Ventura rules →Key Facts Comparison
| Fact | Santa Paula | Ventura |
|---|---|---|
| Minimum Coverage | $1,000,000 per occurrence | - |
| Additional Insured | City of Santa Paula must be named | - |
| Agritourism STRs | Verify farm activity coverage | - |
| Community Development | (805) 933-4214 | - |
| Liability insurance | - | $1 million per occurrence (city Quick Reference / program requirement) |
| Surety bond | - | $1,500, A.M. Best 'A-' or better, city as obligee (SBMC §§6.455.050(C), 6.455.080) |
| Bond waiver | - | Available only if lease bans parties 10 p.m.–7 a.m. (§6.455.125(G)(9)) |
| Bond covers | - | Civil penalties against owner OR tenant/guest for any code violation |
| Lapse penalty | - | Misdemeanor + possible permit revocation (§§6.455.150(D), 6.455.160) |
Highlighted rows indicate differences between cities.
Santa Paula FAQ
What insurance is needed for a Santa Paula short-term rental?
Commercial general liability insurance with at least $1 million per occurrence, naming the City of Santa Paula as additional insured. Standard homeowner's insurance does not cover STR activity.
Does platform insurance satisfy Santa Paula's STR requirements?
Likely not. Airbnb and VRBO host insurance does not name the City of Santa Paula as additional insured. Contact your insurance provider about a commercial liability policy or STR rider.
Do agritourism STRs need special insurance in Santa Paula?
If guests participate in farm activities, tours, or agricultural experiences, verify your liability policy covers those activities. Standard STR insurance may exclude farm-related injury claims.
Ventura FAQ
How much liability insurance do I need for a Ventura STR?
$1 million per occurrence in short-term rental liability coverage, per the City of Ventura's published STVR program requirements. The figure is administered under SBMC §6.455.030's grant of interpretive authority to the permit administrator.
What does the $1,500 surety bond cover?
Civil penalties under SBMC Ch. 1.50 assessed against either you or any tenant/guest for violating Ch. 6.455 or any other code provision (noise, trash, parking, building). The city draws on the bond first; you must re-fund it to keep the permit (SBMC §6.455.080).
Can I avoid the surety bond?
Yes. Under §6.455.125(G)(9), if your rental agreement forbids parties and loud social events between 10:00 p.m. and 7:00 a.m., the §6.455.050 bond is waived. The lease must include that explicit prohibition.
Compare other topics
See how Santa Paula and Ventura compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool