Bergen County does not mandate short-term rental insurance at the county level. Some municipalities require liability coverage of $300,000 to $1,000,000 as a condition of rental certificate issuance, and standard homeowners policies typically exclude transient rental activity.
New Jersey state law does not impose a uniform STR insurance mandate, leaving requirements to municipalities. Bergen County towns that have adopted STR registration ordinances, such as Englewood Cliffs and Tenafly, commonly require proof of commercial general liability insurance with minimum limits between $300,000 and $1,000,000, naming the municipality as an additional certificate holder. Standard New Jersey homeowner policies typically exclude business-use rentals, so hosts generally need a commercial dwelling policy or short-term rental endorsement. Airbnb's Host Liability Insurance and AirCover provide secondary coverage, but municipalities accept these only as supplemental, not primary, insurance documentation.
Operating without required insurance results in denial or revocation of rental registration, fines of $500 to $2,000 per violation, and personal liability exposure.
See how other cities in Bergen County handle insurance requirements.
See how Garfield's insurance requirements rules stack up against other locations.
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