Folsom requires STR operators to carry liability insurance of at least $1,000,000 per occurrence, naming the City as an additional insured is sometimes required. Platform-provided coverage (Airbnb AirCover) alone may not satisfy the requirement.
The Folsom STR permit application requires proof of liability insurance. Typical minimum is $1,000,000 per occurrence covering bodily injury and property damage arising from rental activity. A Certificate of Insurance (COI) must be submitted at application and kept current through permit renewals. Standard homeowners policies generally exclude commercial short-term rental activity; a commercial rider or dedicated STR policy (Proper, CBIZ, Allstate HostAdvantage) is usually necessary. Airbnb's Host Liability Insurance and AirCover provide secondary coverage for bookings through the platform only and may not meet the city's primary-coverage requirement. Workers' comp may be required if the host employs cleaners. Pool/spa on premises may trigger higher limits.
Operating without required insurance: permit suspension/revocation. Claims from uninsured STR activity may be personally borne by the owner.
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