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 Β§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
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Fresno, CA
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Fresno, CA
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Fresno, CA
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