Showing ordinances that apply to Mariaville Lake, NY
Mariaville Lake is an unincorporated community (population 666) in Schenectady County, New York. Because Mariaville Lake is not an incorporated city, it does not have its own municipal code. Instead, Schenectady County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Schenectady County and its municipalities do not require a specific STR liability policy. Most hosts rely on platform coverage (Airbnb AirCover, VRBO Liability) or standalone commercial liability policies.
No New York law or Schenectady County ordinance specifies minimum STR liability insurance, but standard homeowners policies typically exclude short-term-rental income. Airbnb provides up to $1 million Host Liability via AirCover; VRBO offers $1 million liability when booked through their platform. Commercial STR-specific policies (Proper, Obie, CBIZ) are widely used by multi-property operators. Lenders and HOAs may impose their own coverage requirements.
No civil/criminal penalty, but liability exposure is significant if uninsured guest incident occurs.
See how Mariaville Lake's insurance requirements rules stack up against other locations.
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