Essex County imposes no STR insurance mandate, but municipalities do. Newark requires hosts to carry general liability insurance of at least $500,000 before a short-term rental permit is issued.
The county does not require short-term rental insurance. Insurance mandates come from the municipality. Newark's ordinance requires applicants to provide proof of general liability insurance in a minimum amount of $500,000 as a condition of receiving a short-term rental permit. Other Essex municipalities that license STRs may set their own coverage floors or require the host to name the town as an additional insured. Many hosting platforms also provide host liability coverage, but that does not automatically satisfy a municipal minimum. Hosts should obtain a policy that specifically covers short-term rental activity, since standard homeowner policies often exclude commercial or transient-guest use, and confirm the exact figure required by their city or township.
Applying without the required proof of insurance results in a municipal permit denial. Operating without required coverage exposes the host to local penalties, up to $2,000 per violation per day in Newark, plus full personal liability for guest injury claims.
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