Galt STR operators should carry 1 million dollars liability insurance. Standard homeowner policies typically exclude short-term rentals; platform coverage like AirCover supplements but does not replace primary coverage.
STR operators in Galt should secure either a commercial liability policy, a dwelling fire policy with short-term rental endorsement, or rely on platform host protection where available. Airbnb AirCover provides up to 1 million dollars of host liability coverage. Vrbo offers comparable coverage. However, platform protections do not replace primary insurance and have exclusions. Galt may require proof of 1 million dollars combined single-limit liability coverage as a permit condition. Operators should disclose STR use to their insurer to avoid policy cancellation. Claims involving pools, trampolines, dog bites, or alcohol service carry higher risk and may require additional coverage.
Operating without required insurance under permit conditions may void the STR permit and trigger business license revocation.
See how other cities in Sacramento County handle insurance requirements.
See how Galt's insurance requirements rules stack up against other locations.
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