East Brunswick, NJ Short-Term Rentals: Insurance Requirements (2026)

Section 182-5(E) of the East Brunswick Township Code, amended by Ord. No. 25-34 on 10-13-2025, lists three items that must be attached to and filed concurrently with the short-term rental permit application. The first is proof of the owner's current ownership of the unit. The second is proof of general liability insurance in a minimum amount of $500,000. The third is written certifications from the owner, or the short-term rental property agent, and the responsible party, as applicable, that they agree to perform all of the respective duties specified in Chapter 182. The application is submitted to the Department of Planning & Engineering on an annual basis under § 182-5(A), under oath, with the nonrefundable $250 fee from § 182-4, so the insurance proof is part of every annual filing.

The insurance paper sits inside a larger package. The owner must also swear that the property is his or her principal residence, supply a driver's license or State Identification Card, and name a rental property agent and a responsible party who can be reached seven days a week, 24 hours a day. A condominium owner adds a letter from the Condominium Association. Section 182-6(A) starts the clock only when the application is complete with all required information, documentation and fees: the Department must then issue the permit or a written denial stating reasons within 10 business days. A denied applicant has 10 business days to appeal in writing to the Office of the Township Business Administrator, and the appeal is decided within 30 days after receipt.

Section 182-5(B) lets the Township, though it is not required to, conduct annual inspections for compliance with its fire safety regulations and property maintenance code, and review each application to verify eligibility. Section 182-5(A)(7) requires the owner to certify under oath the accuracy of all information provided, which covers the insurance documents. The permit is valid for one year under § 182-4(C), so the insurance proof is due again with each renewal.