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

Under Cheektowaga Code § 201-7A(10), all applicants and permit or license holders for a short-term rental must provide evidence of property insurance and a certificate of liability insurance showing the premises is rated as a short-term rental, and that coverage has to stay in force throughout the entire term of the permit, not just at the time of application. The application itself independently requires proof of insurance on the premises under § 201-8A(1)(e), so the Town checks coverage twice: once when the permit is issued and continuously afterward as a standing condition of keeping it.

L. No. 5-2025), which applies only to the unincorporated Town outside the Villages of Sloan and Depew. Failure to maintain the required insurance is a compliance failure the Code Enforcement Officer can act on: § 201-12A(2) lists failing to meet or comply with any requirement of the chapter as grounds to immediately suspend or revoke the permit, and inspections tied to permit issuance or renewal under § 201-9G let the Town verify the insurance requirement is still being met before any renewal goes through.