No state or county-wide STR insurance mandate. Skaneateles and some Onondaga towns require proof of liability insurance (typically $500,000-$1,000,000) at STR permit application.
New York does not require STR-specific liability insurance at the state level, and Onondaga County has no countywide insurance mandate. Coverage requirements are set by local ordinance. Skaneateles requires proof of commercial general liability coverage (often $500,000-$1,000,000 per occurrence) as part of the STR permit application. Syracuse's rental registry requires landlord insurance but does not set a specific STR minimum. Airbnb's AirCover for Hosts and VRBO's Liability Insurance provide secondary host protection (up to $1 million), but this is typically excess to the host's own policy and does not substitute for a proper short-term rental rider. Standard homeowners' policies in New York often exclude commercial use; hosts should obtain a specific STR endorsement or a commercial dwelling policy. Workers' compensation may be required for hosts employing cleaners.
Operating without required insurance: permit denial or suspension. Post-incident discovery of lapsed coverage: personal liability for guest injuries, plus municipal fines.
Onondaga County, NY
Commercial noise regulated by municipal codes. Syracuse zoning limits industrial noise at residential property lines to 65 dBA day, 55 dBA night.
Onondaga County, NY
Commercial vehicles over 10,000 lbs or bearing commercial signage are generally prohibited on residential streets overnight in Syracuse and most Onondaga Cou...
Onondaga County, NY
RV and boat parking regulated by town zoning codes. Most Onondaga County towns prohibit on-street RV parking over 24-48 hours and require side or rear yard s...
Onondaga County, NY
Street parking in Onondaga County follows NY Vehicle & Traffic Law plus local codes. City of Syracuse enforces odd-even street cleaning rules Nov 15-Apr 1 an...
Onondaga County, NY
Smoke and CO detectors required in all NY dwellings under 19 NYCRR Part 1225 (Uniform Code). Amanda's Law requires CO alarms in homes with fuel-burning appli...
Onondaga County, NY
Outdoor burning of brush, leaves, or debris is prohibited in Onondaga County from March 15 to May 15 under the NYSDEC statewide burn ban. Burning household t...
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