Erie County does not require short-term-rental operators to carry specific liability insurance. Any insurance requirement comes from town or city licensing codes, not from the County occupancy-tax law.
Erie County's only short-term-rental law is the Hotel Occupancy Tax, which addresses tax collection and registration and does not impose an insurance requirement. Whether an operator must carry liability coverage is determined by municipal licensing. Some New York communities that license STRs require proof of a minimum amount of liability insurance as a license condition; operators in the City of Buffalo apply through the Department of Permit and Inspection Services under Chapter 380, and other Erie County towns such as Amherst have their own rental codes that may specify coverage. Operators should confirm any insurance requirement, and any required coverage amount, with their town or city, and should also check their homeowner or landlord policy for short-term-rental coverage.
Insurance requirements, where they exist, are enforced by the municipality as a rental-license condition; lack of required coverage can result in denial or revocation of the local STR license.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Erie County, NY
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See how Erie County's insurance requirements rules stack up against other locations.
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