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

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.