Antioch, CA Short-Term Rentals: Insurance Requirements (2026)

Under Antioch's Short-Term Rental Permit program, an applicant must include a completed application, the property's business license, a copy of the property's liability insurance policy, and a signed affidavit of compliance with all applicable laws. The policy must be in force when the permit is issued and renewed annually with the permit. The City does not publish a specific dollar minimum in the Antioch Municipal Code for the policy, so most hosts carry the same $1,000,000 per-occurrence commercial general liability minimum that California STR markets typically require, and that platform carriers (Proper Insurance, Slice, CBIZ) write for hosted-lodging risk. Standard homeowner policies often exclude or restrict short-term rental use; hosts should confirm in writing that their carrier covers transient occupancy. Platform-supplied programs (Airbnb AirCover, Vrbo Liability Insurance) act only as supplemental coverage and do not satisfy the application requirement on their own. Operational caps reinforce why coverage matters: gatherings are capped at 20 people, off-street parking must be provided (one space for 3-or-fewer-bedroom units, two for 4+ bedrooms), and the City collects a 10% Transient Occupancy Tax on stays under 30 days. Contra Costa County does not separately regulate STRs inside Antioch city limits.