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

Section 228-4.E requires the owner, attached to and concurrent with submission of the permit application, to provide three items together: proof of current ownership of the STR unit, proof of the required insurance, and written certifications from both the short-term rental property agent and the responsible party agreeing to perform their chapter duties. The insurance requirement itself, § 228-4.E(2), sets a specific floor: proof of general liability insurance in a minimum amount of $500,000 for each claim and $500,000 aggregate for each policy period. That threshold applies uniformly to every STR category permitted under § 228-2.B, from an owner-occupied single-family home to a bed-and-breakfast room to the one grandfathered non-owner-occupied unit allowed under § 228-2.H.

Because the certifications, ownership proof, and insurance proof must all arrive with the application rather than afterward, an incomplete insurance submission stalls the entire permit review the Short-Term Rental Subdivision must otherwise complete within 30 days under § 228-5.A. The insurance floor sits alongside the chapter's other financial and documentary prerequisites, the $750 registration fee under § 228-3.C, the fire-safety and Property Maintenance Code inspection under § 228-4.B, and the zoning compliance certificate under § 228-4.C, as conditions the owner must satisfy before the city will authorize any short-term rental use of the property.