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

Corona's short-term rental permit application process requires proof of liability insurance as a condition of issuance and renewal. The standard requirement is a commercial general liability policy with limits of at least $1,000,000 per occurrence and $2,000,000 aggregate, naming the City of Corona, its officers, employees, and agents as additional insured. Standard homeowners (HO-3) and condo (HO-6) insurance policies exclude business or commercial use of the dwelling, meaning that an injury to an STR guest, water damage from a guest-caused incident, or liability from a guest's actions toward third parties is typically not covered without an STR endorsement or stand-alone policy. Operators should obtain either a dedicated commercial STR policy from a specialty carrier (Proper Insurance, Slice, CBIZ) or add a substantial business endorsement to their homeowners policy. Airbnb's AirCover provides limited host liability protection (up to $1M) for platform-booked stays only; it is secondary to the operator's own coverage and does not satisfy Corona's primary insurance requirement. STRs with pools, spas, hillside lots, or other elevated-risk features should consider higher umbrella limits ($2M-$5M).