Union County municipalities typically require $500K–$1M liability coverage for STR hosts. NJ hotel occupancy tax (N.J.S.A. 54:32D) applies. Standard homeowner policies usually exclude commercial rental activity.
Elizabeth, Union Township, and Plainfield STR ordinances typically require hosts to maintain liability insurance of $500,000 to $1,000,000 covering guest injuries and property damage. Standard NJ homeowner policies (HO-3) generally exclude commercial rental activity — hosts need a commercial rider, landlord policy (DP-3), or specialty STR policy. Platform-provided coverage (Airbnb Host Liability up to $1M, VRBO Liability up to $1M) may satisfy minimums in some municipalities but is secondary to host's own policy. Proof of insurance required at permit issuance and renewal. NJ requires STR hosts to register with Division of Taxation and collect 6.625% sales tax plus 5% hotel occupancy tax (N.J.S.A. 54:32D) plus any local hotel tax (Elizabeth imposes 3% additional).
Operating without required insurance: permit denial or revocation. Host personal liability for uninsured claims. Tax non-compliance: state penalties plus municipal license action.
Union County, NJ
Union County municipalities restrict leaf blower operation by hour, with Westfield, Summit, and Maplewood-adjacent Cranford imposing seasonal gas-blower limi...
Union County, NJ
Elizabeth Code Ch. 7.24 prohibits abandoned vehicles on streets (72-hr limit) or visible on private property. NJ's Abandoned Vehicle Law (N.J.S.A. 39:10A-1) ...
Union County, NJ
Elizabeth and Union County municipalities require building permits for retaining walls over 4 ft (measured from bottom of footing to top of wall) per N.J.A.C...
Union County, NJ
NJ Uniform Construction Code (N.J.A.C. 5:23-3.14) mandates minimum 4-ft pool barriers. Elizabeth and most Union County towns require 5-ft fences with self-cl...
Union County, NJ
NJ Division of Fish & Wildlife prohibits feeding of black bears (N.J.A.C. 7:25-5.25) statewide. Union County municipalities also restrict feeding of deer, fe...
Union County, NJ
Union County is urban/suburban with low wildfire risk — not a designated NJ Forest Fire Service high-hazard zone. NJ Forest Fire Service (N.J.S.A. 13:9-1) re...
See how Union County's insurance requirements rules stack up against other locations.
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