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

Some California jurisdictions require short-term rental operators to maintain a minimum liability policy (commonly $500,000 to $1,000,000) and to name the city as additional insured. Dublin has no such requirement written into its code, because it has not adopted a dedicated STR ordinance. Neither the Transient Occupancy Tax chapter (DMC Chapter 3.16) nor the City's Short Term Rental program page sets an insurance floor for STR operators. Instead, the discretionary Conditional Use Permit for a Bed and Breakfast Inn is the only mechanism through which the City could attach an insurance condition, and whether it does so is decided case-by-case by the Planning Commission based on the specific proposal. In practice, hosts using platforms such as Airbnb or Vrbo may receive host liability protection or be contractually required to carry coverage by the platform, and lenders or HOAs may impose their own insurance requirements, but those are private obligations rather than Dublin Municipal Code requirements. Operators should not assume coverage is optional simply because the code is silent: carrying adequate liability insurance is strongly advisable, and any binding city requirement, if it exists for a given property, will be found in that rental's CUP conditions.