Fremont, CA Short-Term Rentals: Insurance Requirements (2026)

Fremont Municipal Code Section 5.100.050(h) requires liability insurance for renting a dwelling unit or portion of a dwelling in the amount of no less than $1,000,000, which can be carried by the host or by a hosting platform on the host's behalf. Proof of liability insurance is not required if the hosting activity is handled only by a hosting platform that already extends similar liability coverage. This insurance proof is a mandatory application component under Section 5.100.030(b)(9), which lists 'Insurance. Proof of insurance as required in this chapter' among the items the community development department requires before it will issue a short-term rental permit. The insurance mandate works alongside the indemnification clause in Section 5.100.050(p), under which the owner must defend, indemnify, and hold the city of Fremont, its officials, officers, and employees harmless from claims arising out of the acts or omissions of the owner, host, or their employees or agents in connection with the short-term rental.