Costa Mesa requires short-term rental hosts to maintain liability insurance coverage as a condition of their STR permit. Most platforms like Airbnb provide supplemental coverage, but hosts should verify their own homeowner's policy covers rental activity.
Costa Mesa's STR permit program requires hosts to carry adequate liability insurance for their rental property. The city recommends a minimum of $500,000 to $1,000,000 in liability coverage per occurrence. Standard homeowner's insurance policies often exclude coverage for commercial rental activity, so hosts should notify their insurer and add a rental endorsement or obtain a separate short-term rental policy. Platforms like Airbnb and VRBO provide host protection insurance, but this is supplemental and may not cover all scenarios. The STR permit application may require proof of insurance. Development Services at (714) 754-5245 handles permit requirements. Hosts operating without proper insurance risk personal liability for guest injuries and property damage.
Operating an STR without required insurance may result in permit denial or revocation. Hosts face personal liability for guest injuries if insurance is inadequate or lapsed.
Costa Mesa, CA
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Costa Mesa, CA
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Costa Mesa, CA
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Costa Mesa, CA
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Costa Mesa, CA
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Costa Mesa, CA
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