Lodi does not require short-term rental operators to carry a city-specified minimum liability insurance policy or to file a certificate of insurance. Hosts rely on platform host-protection programs and private homeowner/landlord policies.
There is no provision in the Lodi Municipal Code, the Home Occupation Permit application (LMC §17.36.060), or the City's TOT registration materials requiring a short-term rental operator to maintain a minimum amount of general liability or host-liability insurance. Because Lodi has not enacted a dedicated STR ordinance, the certificate-of-insurance and $500,000 / $1,000,000 liability floors common in coastal-California STR ordinances do not apply. Operators typically rely on Airbnb's AirCover, Vrbo's Liability Insurance, or a private landlord/homeowner endorsement. The state-level California Insurance Code does not impose an STR-specific carrier requirement either.
Because no insurance requirement exists in the code, there is no city citation for failing to carry STR insurance. Civil liability for guest injuries or property damage is governed by ordinary California tort and premises-liability law.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lodi, CA
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Lodi, CA
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Lodi, CA
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Lodi, CA
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Lodi, CA
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