The Home-Sharing Ordinance does not mandate a specific insurance policy, but standard homeowner or renter policies typically exclude commercial activity. The city strongly recommends dedicated STR insurance covering guest injury, property damage, and legal defense. Hosting platforms like Airbnb provide supplemental coverage but it may have gaps.
Los Angeles may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is $500,000 to $1,000,000. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.
Operating without required insurance may result in permit denial or revocation. Hosts may face personal liability for uninsured claims.
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