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Westchester County, NY Short-Term Rentals: Insurance Requirements (2026)

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Key Facts

County Minimum: None set
Common Municipal Minimum: $500K-$1M
Platform Coverage: AirCover/VRBO accepted
HO Policy: Notify insurer

City-specific rules exist: Mount Vernon, White Plains, Yonkers, and New Rochelle have their own insurance requirements rules that differ from Westchester County's county-level regulations. If you live in one of those cities, check the city-specific page instead.

Summary

Westchester County does not mandate STR insurance. Some municipalities require $500,000 to $1 million liability coverage as a condition of STR registration.

Full Breakdown

Airbnb's AirCover ($1M host liability) and VRBO's Liability Insurance Program meet most municipal minimums. Owners should notify their homeowner insurer — unannounced short-term rental can void coverage. Westchester County itself sets no insurance floor. This insurance requirements rule under Westchester County's short term rentals ordinances applies to unincorporated areas of Westchester County. For current statutory text, amendments, enforcement procedures, fines, appeal options, and any exemptions that may apply to your situation, contact Westchester County code enforcement directly or consult the official New York municipal code library. Ordinances change periodically; always verify with local staff before relying on summary information.

Frequently Asked Questions

Does my homeowner's policy cover Airbnb guests in Westchester?

Usually not without a rider. Disclose STR use to your insurer to avoid coverage denial.

What liability insurance do Westchester STRs need?

Westchester County sets no insurance floor. Some municipalities require $500,000 to $1 million liability coverage as a condition of STR registration.

Does Airbnb AirCover meet Westchester municipal insurance requirements?

Usually yes. Airbnb's AirCover ($1M host liability) and VRBO's Liability Insurance Program meet most Westchester municipal minimums. Still notify your homeowner insurer to avoid coverage gaps.

How does Westchester County compare?

See how Westchester County's insurance requirements rules stack up against other locations.

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Westchester County, NY Short-Term Rentals: Insurance Requirements (2026)

Key Facts

Summary

Full Breakdown

Violations & Fines

Frequently Asked Questions

Sources & Official References

Related Westchester County Ordinances

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Employment Preemption: Paid Leave Preemption

Employment Preemption: Minimum Wage Preemption

Local Taxes & Fees: Business Tax Classification

Local Taxes & Fees: Mansion Tax (Measure ULA)

Hotels & Lodging: Hotel Worker Retention

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