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

The Town of Apple Valley does not impose a short-term rental insurance requirement in its Municipal Code. Section 8.34.080, which lays out the STR operating standards, requires a Property Maintenance Certificate (subsection a), inspection (b), occupancy limits (c), off-street parking (d), Transient Occupancy Tax payment (e), and sets penalties (f) - but it contains no clause requiring liability insurance or a minimum coverage amount, and it does not require operators to name the Town as an additional insured. This is more permissive than some California jurisdictions that mandate $1 million in liability coverage for STRs. Operators should still be aware of two things. First, short-term rentals require a Special Use Permit, a discretionary approval under Chapter 9.16 reviewed at the Department level; because SUPs can carry case-specific conditions, an insurance condition could be attached to an individual permit even though the code does not require one generally. Second, hosting-platform policies (such as host protection programs) and a host's own homeowner/landlord insurer may separately require coverage. As an incorporated Town, Apple Valley's code is the controlling local rule; San Bernardino County's STR program applies only to unincorporated areas, and California has no statewide STR insurance mandate. Hosts are advised to confirm coverage with their own insurer regardless of the absence of a Town requirement.