Buffalo STR license applicants must provide proof of liability insurance with minimum 500,000 dollars per occurrence coverage that specifically names short-term rental use. Standard homeowners policies typically exclude commercial rental activity.
Under Buffalo Chapter 242, STR license applications require a certificate of insurance showing commercial general liability coverage with minimum limits of 500,000 dollars per occurrence and 1,000,000 dollars aggregate, specifically endorsed to cover short-term rental activity. Standard HO-3 homeowners policies exclude business income and commercial rental exposure. Operators should obtain a dedicated STR or commercial landlord policy, or use platform-provided coverage (Airbnb AirCover provides up to 1 million dollars host liability, Vrbo Liability Insurance provides 1 million dollars). The city must be notified if coverage lapses. Condo and co-op associations often require additional policy endorsements naming the HOA/board.
Operating without required insurance: immediate license suspension and fines up to 1000 dollars. Liability for guest injuries can be personal if insurance fails.
Buffalo, NY
Buffalo does not restrict residential lawn ornaments, statues, or yard decorations on private property. Ornaments must stay on the owner's property and not e...
Buffalo, NY
Buffalo does not impose specific restrictions on residential inflatable holiday displays. Displays must remain on private property and not encroach into side...
Buffalo, NY
Buffalo does not impose a dedicated ordinance restricting residential holiday lighting. The Green Code (UDO Chapter 496) Section 7.4 regulates outdoor lighti...
Buffalo, NY
Permanent outdoor kitchens in Buffalo require building, plumbing, gas, and electrical permits through the Department of Permit and Inspection Services when t...
Buffalo, NY
Buffalo treats wood, pellet, and charcoal smokers as open-flame cooking devices under IFC Section 308.1.4 as adopted by New York State (19 NYCRR Part 1225). ...
Buffalo, NY
Buffalo enforces the New York State Uniform Fire Prevention and Building Code (19 NYCRR Part 1225), which incorporates the 2020 International Fire Code with ...
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