Troy requires STR hosts to carry minimum 1,000,000 dollars liability coverage and list the rental as a commercial use. Other Rensselaer County towns do not mandate specific STR insurance but Airbnb Host Guarantee and Vrbo coverage apply.
Troy's Short-Term Rental Ordinance requires hosts to carry commercial general liability insurance with a minimum coverage of $1,000,000 per occurrence and to provide a certificate of insurance at registration and renewal. The policy must list the city as an additional insured. Other Rensselaer County towns (East Greenbush, Schodack, Brunswick, Hoosick) do not mandate a specific insurance minimum but STR operations are generally considered a commercial use and standard homeowner policies typically exclude or limit STR coverage; hosts should endorse policies or obtain commercial STR coverage. Airbnb AirCover provides up to $1,000,000 host liability and $3,000,000 property damage protection automatically, but this is secondary to the host's primary policy. Vrbo provides similar Liability Insurance for active listings. NY Real Property Law 339 (effective 2025) also requires platforms to confirm host insurance status.
Troy STR Ordinance: lack of required $1M coverage at registration results in denial or revocation; operation without insurance treated as operating without a registration with fines of $500-$1,500 per day. Homeowner policy denial of claim if STR use not disclosed to insurer.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Rensselaer County's insurance requirements rules stack up against other locations.
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