Irondequoit, NY Short-Term Rentals: Insurance Requirements (2026)

The insurance rule is § 235-76.54(C) of the Town of Irondequoit Code, one of the standards in the short-term rental article added to Chapter 235 by Local Law No. 9-2025. It applies to all applicants and permit holders, so proof is due at the application stage and stays a condition for as long as the permit exists. Two documents are named: "evidence of property insurance" and a "certificate of liability insurance." The certificate must indicate the premises is insured as a short-term rental, which means a policy that does not cover the home as a short-term rental does not satisfy the standard. This subsection prints no minimum dollar amount of coverage.

Insurance is checked again every year. Within 10 days of the anniversary date on which the permit was last issued or renewed, the owner must file an annual verification and compliance affirmation on a form created by the Community Development Department. The form requires updated contact information, insurance verification, and an affirmation of compliance with the chapter under the penalty of perjury, and it also requires the owner to report the total occupancy taxes paid to the state and Monroe County for the prior year (§ 235-76.56(B)).

Permits are valid for two years, and a renewal application must reach the Town at least 30 days before the current permit expires (§ 235-76.52(B)). Each renewal must include a certification of compliance with the chapter and Article 12-D of the New York Real Property Law (§ 235-76.53(A)(9)). The Authorized Official may decline to accept an application when required documentation is missing (§ 235-76.55(A)(1)), and after a complete application is accepted has 60 days to inspect.

A lapse is a compliance problem, not a paperwork footnote. Failure to meet any requirement of the chapter is a ground on which the Director of Community Development can immediately suspend the permit (§ 235-76.58(A)(2)).