Chula Vista, CA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $1,000,000 aggregate liability
- Alternative path
- Hosting Platform with equal/greater coverage
- Duration of duty
- Continuous through the permit term
- Proof required by
- Director of Development Services
- Enforcing agency
- Development Services / Enforcement Officers
Summary
Every Chula Vista Short-Term Rental Permittee must carry at least $1,000,000 in aggregate liability insurance for the rental use, or book exclusively through a Hosting Platform providing equal or greater coverage, under CVMC 5.68.110(D).
Insurance. The Permittee shall maintain and provide proof to City of liability insurance appropriate to cover the Short-Term Rental use in the aggregate of not less than $1,000,000; or conduct each Short-Term Rental transaction through a Hosting Platform that provides equal or greater insurance coverage.
Official source re-checked September 8, 2026: no newer edition of the code had been published (publisher’s edition: current through Ordinance 3623, passed May 19, 2026).
Full Breakdown
030 as a booking site that derives revenue such as fees or advertising from facilitating the rental, that itself provides equal or greater insurance coverage. 110(A). 070(H). 160(B) states no proof of knowledge or intent is required to establish a violation. 150 to verify permit numbers before allowing a listing, but the insurance duty itself rests on the Permittee.
Violations & Fines
Failing to maintain the required $1,000,000 aggregate liability coverage, or an equivalent Hosting Platform policy, breaches the continuous operational-requirement duty in CVMC 5.68.110(A) and (D) and is unlawful under CVMC 5.68.160(A). It is a misdemeanor punishable by a fine of up to $1,000 and up to six months in jail under CVMC 5.68.160(B), or may be handled as an administrative citation starting at $100 for a first minor offense, and a proven violation can be grounds to modify, suspend, or revoke the Short-Term Rental Permit under CVMC 5.68.160(F).
Frequently Asked Questions
How much liability insurance does a Chula Vista STR host need?
Can I skip buying my own policy if I list on Airbnb or VRBO?
What happens if my insurance lapses mid-permit?
Sources & Official References
Other rules in Chula Vista
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