Chino Hills, CA Short-Term Rentals: Insurance Requirements (2026)

Cities that license short-term rentals commonly require hosts to carry a minimum amount of liability insurance (often $500,000 to $1 million) and to provide proof of coverage as a permit condition. Chino Hills imposes no such STR insurance requirement because short-term rentals of fewer than 30 days are prohibited citywide. The City's Code Enforcement guidance confirms the municipal code "does not allow short term rentals," allowing only rentals of "30 days or more." With no permitted STR use and no STR permit, there is no associated insurance minimum, no City-indemnification clause, and no requirement to name the City as an additional insured for vacation-rental activity. Because the activity is banned, obtaining short-term-rental insurance does not legalize the rental; the use itself remains a code violation regardless of how well it is insured. For lawful rentals — leases of 30 days or longer — insurance is a private matter between owner, tenant, and their insurers under standard landlord and homeowner policies, not a City-mandated STR condition. Operators of legitimate transient lodging (such as hotels) are subject to the City's general business and transient-occupancy-tax framework rather than residential STR rules. Hosts should not assume insurance frameworks from other San Bernardino County cities or the City of Chino apply here. Anyone with questions should confirm the current requirements with Chino Hills Code Enforcement and review private insurance needs with a licensed agent.