STR operators in unincorporated Orange County are required to maintain adequate liability insurance as a permit condition. The county requires proof of insurance or evidence that bookings are conducted through a platform providing equivalent liability coverage.
As a condition of the STR permit, property owners must demonstrate adequate liability insurance coverage. Operators must either provide a certificate of insurance showing general liability coverage appropriate for short-term rental use, or submit proof that all rental transactions will be conducted exclusively through a booking platform (such as Airbnb or Vrbo) that provides equivalent or greater liability insurance coverage. The Host Protection Insurance offered by major platforms typically provides $1 million in liability coverage per occurrence. If the operator uses a mix of direct bookings and platform bookings, separate insurance is required. The insurance requirement protects both guests and neighboring properties from liability claims arising from STR operations. Proof of insurance must be submitted with the STR permit application through the myOCeServices portal.
Failure to maintain required insurance is a permit condition violation subject to $1,000 per day fines and potential permit revocation. Two or more violations trigger a one-year ban on STR operations.
Midway City, CA
Midway City is an unincorporated CDP in Orange County, CA, surrounded by Westminster. Because it has no city government, Orange County Codified Ordinances Ti...
Orange County, CA
Unincorporated Orange County exempts one small detached non-habitable accessory structure - a shed - per 7,200 square feet of building site area from accesso...
Orange County, CA
Carports in unincorporated Orange County are governed by Section 7-9-70.3(d) of the Codified Ordinances, which requires carports to comply with main-building...
Orange County, CA
Unincorporated Orange County allows the conversion of an existing garage, carport, or accessory structure into an accessory dwelling unit (ADU) under Section...
Orange County, CA
Unincorporated Orange County requires every pool/spa deeper than 18 inches to be enclosed by a barrier at least 60 inches (5 ft) high under California Health...
Orange County, CA
Unincorporated Orange County allows ADUs on any residentially zoned lot under OC Zoning Code (Title 7, Division 9) and California Government Code §65852.2 (A...
Side-by-side rule comparisons with other cities in Orange County.
See how other cities in Orange County handle insurance requirements.
See how Midway City's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.