Manteca Municipal Code Chapter 3.40 does not publish a numeric commercial general liability minimum for short-term rentals. The city's Finance Department administers permit application materials, and operators should request the current STR application packet to confirm any insurance documentation required at issuance. Standard homeowners policies typically exclude paid lodging, so most hosts add an STR endorsement or a dedicated host policy.
Manteca legalized short-term rentals through Chapter 3.40 (Short-Term Rentals and Lodging), effective 2022, requiring an annual STR and Lodging Permit plus a Business License from the Finance Department. The permit application requires a floor plan, site plan, parking details, the rented-bedroom count (max two per unit), a nuisance response plan, a 24/7 local complaint contact, and a certification that CC&Rs have been reviewed. Public-facing city materials and the Municipal Code as published do not state a specific commercial general liability dollar minimum (such as the $500,000 or $1 million figures common in other California cities). Because city application packets sometimes include insurance language not reflected in the published code, operators should contact Manteca's Finance Department at (209) 456-8730 or shorttermrentals@manteca.gov to obtain the current STR application packet and confirm whether a certificate of insurance, additional-insured endorsement naming the City of Manteca, or any minimum coverage limit is required at permit issuance. Separately, the California Civil Code 1940.20-style consumer expectations and platform host-protection programs (Airbnb AirCover, Vrbo Liability Insurance) do not substitute for an owner-side policy: most homeowners contracts treat paid lodging as a business use that voids coverage during a guest stay. Hosts commonly purchase a short-term rental endorsement on their homeowners policy or a stand-alone vacation rental policy to bridge that gap. The Transient Occupancy Tax (10%) and 1% short-term rental fee apply regardless of insurance status. San Joaquin County does not impose a separate STR insurance rule inside Manteca city limits.
Operating without the required STR permit and Business License is subject to administrative fines starting at $1,500 per offense and permit revocation. Even where the city does not publish a CGL minimum, operating without adequate insurance leaves the owner personally exposed to guest-injury and property-damage claims that homeowners policies typically exclude.
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