Elizabeth, NJ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum liability coverage
- $500,000.00 general liability
- Filed with
- Bureau of central licensing
- Required alongside
- Proof of ownership, agent certifications
- Condo units
- Also need HOA approval letter
- License term
- One year, annual renewal
- Fine for violation
- $250.00 to $2,000.00 per day
Summary
Elizabeth short-term rental owners must submit proof of general liability insurance covering at least $500,000.00 alongside their license application. The requirement is attached to every initial and renewal STR license filing under Chapter 5.90.
C. Attached to and concurrent with submission of the license application described in this section, the owner shall provide: 1. Proof of the owner's current ownership of the short-term rental unit; 2. Proof of general liability insurance in a minimum amount of five hundred thousand dollars ($500,000.00); 3. Written certifications from the short-term rental property agent and responsible party that they agree to perform all of the respective duties specified in this section.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 31).
Full Breakdown
00). This sits alongside three other required attachments: proof of the owner's current ownership of the STR unit, written certifications from the STR property agent and responsible party agreeing to perform their assigned duties under the chapter, and, for a condominium unit, a letter of approval from the condominium association. 040(A). 030(E). 030(B) makes advertising without a valid license itself a violation. 060(B).
Violations & Fines
Renting, operating, or advertising a short-term rental without the required license, including the underlying $500,000 liability insurance proof, violates Chapter 5.90. Under § 5.90.060(D), conviction in Elizabeth Municipal Court carries a fine of $250.00 to $2,000.00, with each day a separate offense, and the license may be revoked for a minimum of one year under § 5.90.060(B).
Frequently Asked Questions
How much liability insurance does Elizabeth require for short-term rentals?
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Sources & Official References
Other rules in Elizabeth
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