Daly City Chapter 5.92 requires STR hosts to carry liability insurance covering the rental use; the city's published guide directs applicants to attach a certificate of insurance with the permit application.
Daly City Municipal Code Chapter 5.92 governs short-term rental permitting, and the application packet on the official Short-Term Rentals page requires applicants to certify insurance coverage appropriate to the use. Standard homeowner's policies typically exclude short-term commercial rental activity, so most hosts must obtain either an Airbnb/Vrbo host protection program endorsement (e.g., Airbnb's AirCover Host Liability up to $1 million per occurrence) or a stand-alone short-term rental policy. The platform-provided coverage is secondary to a host's primary insurance and does not satisfy lenders or HOAs that require named-insured certificates. California state law does not preempt local insurance standards for STRs, and Civil Code 1940 (residential tenant rights) does not apply to transient stays under 30 days. Coastal-zone STRs in unincorporated San Mateo County have separately defined insurance terms in county Coastal Zone STR permits, but those do not control inside Daly City limits.
Operating without required liability coverage breaches the STR permit conditions under Chapter 5.92 and is grounds for permit denial, suspension, or revocation. Uninsured operation also exposes the host personally to any guest-injury or property-damage claim.
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