NYC does not mandate STR insurance, but homeowner policies often exclude transient rentals. Platforms offer host protection and most co-op/condo boards require STR riders.
Neither NYC Local Law 18 of 2022 nor the NYC Administrative Code establishes a mandatory minimum liability insurance requirement for legal short-term rentals in Brooklyn. However, standard NY homeowner's (HO-3) and tenant (HO-4) policies typically exclude 'business use' of the dwelling, including short-term rental income. Hosts should obtain a rider or a commercial short-term rental endorsement, or rely on platform-provided coverage: Airbnb's AirCover for Hosts provides up to $1 million in liability and $3 million in host damage protection, and VRBO provides similar Property Damage Protection. Nearly all Brooklyn co-ops and condos have house rules or proprietary-lease clauses that either ban short-term rentals outright or require owners to carry additional liability coverage (commonly $1 million minimum) and name the association as additionally insured. Rent-stabilized tenants cannot legally sublet short-term at all. Commercial general liability policies for active operators typically run $500 to $1,500 annually in NYC.
No NYC fine for lack of insurance, but uninsured incidents expose hosts to full personal liability. Co-op rule breach can trigger eviction or forced share sale.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Kings County, NY
Brooklyn fence height, placement, and visibility rules are governed by NYC Zoning Resolution §23-44 and DOB Building Code, with extra rules in landmark distr...
Kings County, NY
Brooklyn pools must be enclosed by a self-closing, self-latching barrier at least 4 feet high per NYC Building Code and Health Code §165.57.
Kings County, NY
Brooklyn fences under 6 feet in rear/side yards and under 4 feet in front yards generally do not require a DOB permit, but zoning and landmark rules still ap...
Kings County, NY
Retaining walls over 4 feet or supporting a surcharge require DOB permits and licensed professional design in Brooklyn under NYC Building Code.
Kings County, NY
Feeding pigeons, squirrels, raccoons, or other wildlife that creates unsanitary conditions is prohibited in Brooklyn under NYC Health Code §153.09.
Kings County, NY
Brooklyn residents may keep backyard hens, but roosters, ducks, geese, turkeys, pigs, goats, and sheep are prohibited under NYC Health Code §161.01.
See how Kings County's insurance requirements rules stack up against other locations.
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