Concord prohibits short-term rentals citywide, so the city imposes no STR liability-insurance minimum because no permit pathway exists. Operating an unpermitted STR is a zoning violation and most homeowner policies exclude commercial rental activity, leaving operators personally exposed.
Because Concord's permissive zoning code does not list short-term rental as an allowed use, the city does not issue STR permits and therefore has not adopted any insurance, liability, or surety-bond requirement specific to short-term rentals. There is no required minimum coverage amount, no proof-of-insurance filing with the city, no requirement to name the city as additional insured, and no host-protection endorsement that would substitute for compliance. Standard homeowner and renter insurance policies in California typically exclude losses arising from business or commercial use of a dwelling, including paid stays under 30 days; carriers may deny claims for guest injuries, property damage, or liability tied to an unpermitted STR. Platform-provided coverage (such as Airbnb's AirCover or VRBO's Liability Insurance) is supplemental, has caps and exclusions, and does not cure the underlying zoning violation in Concord. Operators advertising an STR may also be classified as landlords under Concord's Residential Tenant Protection Program (Municipal Code Ch. 19.40), which can create relocation-payment exposure separate from any insurance question. For lawful 30-plus-day rentals, no city-specific landlord insurance mandate applies, but lenders and HOAs commonly require landlord (DP-3) coverage.
Running an STR without authorization is a zoning violation enforceable by the Planning Division and Code Enforcement. There is no insurance defense - lacking coverage does not reduce penalties, and an insurer's claim denial does not limit code enforcement action.
Concord, CA
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