Hesperia does not require short-term rental operators to carry a minimum liability policy. Neither the Hesperia Municipal Code (including Chapter 5.72 Rental Housing Business License or Chapter 3.10 TOT) nor California state statute imposes an STR insurance floor. By default, hosts rely on platform-provided coverage — Airbnb AirCover (up to $1M host liability + $3M host damage protection) and Vrbo Liability Insurance (up to $1M per stay) — or their own homeowner or commercial-dwelling policy. The California Department of Insurance warns that standard homeowner policies usually exclude commercial/business use, which can leave a host personally exposed if a guest is injured.
A search of the Hesperia Municipal Code on Municode (library.municode.com/ca/hesperia) returns no STR insurance requirement; HMC Chapter 5.72 (Rental Housing Business License and Inspection Program) requires registration, fees, and a habitability inspection, but does not mandate a liability policy. California has no statewide STR insurance statute. Many California STR ordinances elsewhere (e.g., County of San Diego, Sonoma County, Truckee, Big Bear in neighboring San Bernardino County) impose a $500,000–$1,000,000 commercial general liability requirement, providing a reasonable benchmark for Hesperia hosts even without local enforcement. Standard homeowners' policies (ISO HO-3 forms) typically exclude business or commercial activity from the property; running an Airbnb can be characterized as a business use that voids coverage for guest claims. Airbnb's AirCover for Hosts provides up to $1,000,000 in host liability insurance and up to $3,000,000 in host damage protection at no extra cost to the host but applies only to bookings made through Airbnb. Vrbo offers similar Liability Insurance up to $1,000,000 per stay, subject to the platform's terms. The California Department of Insurance recommends a short-term rental endorsement or a commercial dwelling policy for hosts who rent year-round.
No city-level enforcement for failure to insure — but civil exposure is significant. An uninsured guest-injury claim can pierce a host's personal assets, and the Rental Housing License inspection (Ch. 5.72) does not substitute for liability coverage.
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