Fullerton requires short-term rental hosts to maintain liability insurance as a condition of their STR permit. Hosts must carry a minimum level of coverage to protect guests and neighbors from potential damages or injuries.
As part of the STR permit application process, Fullerton requires hosts to provide proof of liability insurance coverage. Most California jurisdictions require a minimum of $500,000 to $1,000,000 in general liability coverage for short-term rental operations. This insurance must cover guest injuries, property damage, and third-party claims arising from rental activities. Many hosting platforms like Airbnb and VRBO offer supplemental host protection insurance, but these platform programs typically do not satisfy the city's independent insurance requirement. Hosts should verify with their homeowner's insurance provider whether short-term rental activity is covered under their existing policy, as many standard policies exclude commercial rental activity. The Community Development Department reviews insurance documentation as part of permit issuance and renewal.
Operating without the required insurance coverage may result in STR permit denial, suspension, or revocation. Hosts may also face personal liability for uninsured claims.
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