Gardena Municipal Code Chapter 5.76 requires home-sharing hosts to carry general liability insurance of one million dollars combined single limit, or platform-provided equivalent coverage. Proof must be submitted with the application and renewed yearly, with a copy provided to the city on request.
Gardena Municipal Code Chapter 5.76 requires proof of general liability insurance of one million dollars combined single limit as a condition of the Home-Sharing Permit. The coverage may come from the host's own policy or an equivalent policy furnished through a hosting platform. Insurance must be kept up to date yearly, and a copy of the policy must be provided to the city upon request in subsequent years of the rental period. Verification of insurance is part of the application packet, alongside proof of property ownership and primary residency. This requirement protects guests, neighbors, and the host from injury or property damage arising from the rental use. The coverage supplements the host's underlying homeowner or renter policy.
Failing to maintain the required one-million-dollar liability coverage, or not producing proof on request, can result in permit conditions being enforced, suspension, or revocation.
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