Brentwood does not impose STR liability insurance minimums because the city prohibits short-term rentals entirely under BMC Chapter 17.796 (Ord. 1079, Dec 10, 2024). There is no permit or registration that an insurance certificate could attach to.
Many California cities require STR operators to maintain $500,000 to $1,000,000 in commercial general liability coverage as a condition of permit issuance. Brentwood has no such requirement because Chapter 17.796 of the Municipal Code, adopted by Ordinance No. 1079 on December 10, 2024, prohibits any rental or occupancy of a dwelling for 30 consecutive days or fewer, including in ADUs and including hosted stays. Without a registration or permit pathway, there is no city-issued certificate-of-insurance demand on hosts. Platform-supplied host protection programs (such as Airbnb's AirCover or Vrbo's Liability Insurance) do not authorize operation in Brentwood and do not cure the underlying prohibition. Long-term rentals (31+ days) are not STRs and are not subject to STR insurance rules; landlords typically rely on a standard landlord/dwelling policy and are separately subject to Brentwood's Rental Inspection Program.
Carrying private liability insurance does not legalize an otherwise prohibited stay of 30 days or fewer. Operating, booking, or advertising an STR violates Chapter 17.796 and can lead to administrative citations, fines, civil action, and nuisance abatement.
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