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.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Garfield, NJ
Garfield requires permanent swimming pools to sit at least six feet from any rear or side lot line, supplementing New Jersey's state pool barrier code.
Garfield, NJ
Garfield regulates fence materials by openness percentage in residential districts, requiring partial transparency for fences within 50 feet of the front pro...
Garfield, NJ
Garfield requires that the finished or face side of any fence point toward the adjacent neighboring property, ensuring neighbors are not left looking at fram...
Garfield, NJ
In residential zones, Garfield limits fences to six feet in rear and side yards, with reduced heights and open construction required closer to the front prop...
Garfield, NJ
Garfield bans feeding waterfowl, songbirds, pigeons, and backyard birds on public property and limits private feeding to small, nuisance-free amounts.
Garfield, NJ
All consumer fireworks that explode or leave the ground are illegal in Garfield under N.J.S.A. 21:3-1 et seq., the NJ Explosives and Fireworks Act. Only non-...
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