Long Beach, CA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum liability coverage
- $1,000,000 aggregate
- Platform alternative
- Allowed if platform coverage equals or exceeds $1M
- Governing section
- § 5.77.060(D)
- Proof required at
- Registration and renewal review
Summary
Long Beach Municipal Code § 5.77.060(D) requires every STR operator to maintain proof of liability insurance covering the short-term rental use in an aggregate amount of not less than one million dollars, or to book exclusively through a platform that provides equal or greater coverage.
D.The operator shall maintain and provide proof of liability insurance appropriate to cover the short-term rental use in the aggregate of not less than One Million Dollars ($1,000,000); or conduct each short-term rental transaction through a platform that provides equal or greater insurance coverage.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Municipal Code: Supplement 52 Update 1 | City Charter: Supplement 5).
Full Breakdown
060 lists the ongoing obligations an STR operator must satisfy after registration, and subsection (D) sets the insurance floor: the operator must maintain and provide proof of liability insurance appropriate to cover the short-term rental use, in an aggregate amount of not less than one million dollars. The Code builds in a compliance alternative, an operator does not need their own policy if every booking runs through a hosting platform that provides insurance coverage equal to or greater than that one-million-dollar aggregate. 060(F)). 060(D) rests on the operator unless the platform itself supplies qualifying coverage for that specific booking. 040.
Violations & Fines
Failing to maintain the required liability insurance is enforceable as a violation of an STR operator requirement under Section 5.77.090(F), which lists violations of 'state, county, or City health, building, or fire regulations' and general STR requirements as citable conduct, carrying the flat $1,000 fine set in Section 5.77.090(G); the City may also refuse to renew a registration under Section 5.77.040 if proof of coverage cannot be produced.
Frequently Asked Questions
How much liability insurance does a Long Beach STR need?
Can a hosting platform's insurance satisfy Long Beach's STR insurance requirement?
What happens if a Long Beach STR operator cannot prove insurance coverage?
Sources & Official References
Other rules in Long Beach
California rules heatmap·Compare Long Beach to another location·View the California short-term rentals overview
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