Fresno requires STR operators to carry commercial general liability insurance of at least $1,000,000 per occurrence, or to verify equivalent coverage through their hosting platform. Proof of insurance must be submitted with the STR permit application and kept current throughout the permit term.
Under FMC Chapter 9 Article 25, every STR permit holder must maintain at minimum $1,000,000 per occurrence of commercial general liability insurance covering the rental activity. Standard homeowners policies typically exclude short-term rental use; operators must either purchase a dedicated STR insurance policy (Proper, CBIZ, Farmers, Allstate HostAdvantage) or confirm that the platform's host protection program provides equivalent coverage. Airbnb's AirCover provides up to $1M in host liability and damage protection for eligible reservations; Vrbo's Liability Insurance similarly provides $1M when booked through Vrbo. However, Fresno requires documentation on file and some operators supplement with landlord or commercial policies because platform coverage only applies to bookings made through that platform. Lapse in coverage is grounds for permit suspension under FMC §9-2508.
Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Fresno code enforcement directly for current fines, enforcement procedures, and hearing options.
Fresno, CA
Fresno does not regulate decorative lawn ornaments, statuary, or year-round yard decorations on private property. Property maintenance standards in FMC Chapt...
Fresno, CA
Fresno does not specifically regulate residential inflatable holiday displays. There is no size cap, lighting curfew, or fan-noise limit specific to inflatab...
Fresno, CA
Fresno does not have a specific ordinance regulating residential holiday light displays. Display dates, brightness, and decorative content are not regulated ...
Fresno, CA
Built-in outdoor kitchens in Fresno require building, electrical, plumbing, and gas permits under FMC Chapter 11 (Building Regulations), which adopts the Cal...
Fresno, CA
Fresno does not have a specific ordinance regulating backyard smokers or wood-fired ovens by time of day. Use is governed by the general nuisance provisions ...
Fresno, CA
Fresno enforces the California Fire Code (CFC) as adopted in FMC Chapter 10, Article 5 (Fire Prevention). Under CFC §308.1.4 (the California amended version ...
Side-by-side rule comparisons with other cities in Fresno County.
See how other cities in Fresno County handle insurance requirements.
See how Fresno's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.