Rochester STR ordinance §90-34 requires $500,000 liability insurance. NY State STR platform law (2025) does not mandate host insurance but platforms often provide coverage. Standard homeowner policies typically exclude commercial STR activity.
Rochester Municipal Code §90-34 requires STR hosts to maintain commercial general liability insurance with minimum $500,000 per occurrence coverage, naming guests and the City as additional insured where applicable. Proof of insurance required at initial permit application and annual renewal. Standard NY homeowner policies (HO-3, HO-5) exclude business activities — hosts need a STR rider or commercial policy. Airbnb's AirCover ($1M host liability) and VRBO's $1M liability may satisfy Rochester's minimum but hosts should verify the policy lists the property. Town of Pittsford special use permits require similar insurance proof. Workers' compensation required if cleaning/maintenance staff are direct employees.
Operating without insurance: permit denial or revocation. Insurance lapse during permit period: immediate suspension. Uninsured incidents: personal liability for host.
Monroe County, NY
City of Rochester prohibits on-street parking 2 AM to 6 AM year-round under Municipal Code §111-5 (alternate side not in effect; blanket overnight ban). Resi...
Monroe County, NY
Monroe County towns specify approved fence materials in zoning codes. Wood, vinyl, chain-link, and wrought iron standard. Barbed wire banned in residential z...
Monroe County, NY
NY State Uniform Code (Residential Code §R404) requires engineered design for retaining walls over 4 feet measured from bottom of footing. Monroe County muni...
Monroe County, NY
Monroe County does not have a separate countywide smoke-alarm ordinance; smoke-alarm requirements come from the New York State Uniform Fire Prevention and Bu...
Monroe County, NY
Monroe County is not designated a high wildfire hazard area. No defensible space requirements. NY DEC Part 215 brush burn ban (March 16 – May 14) is the prim...
Monroe County, NY
Monroe County follows NY DEC Part 215 seasonal burn ban (March 16 to May 14). Property owners must keep lots clear under town property maintenance codes. No ...
See how Monroe County's insurance requirements rules stack up against other locations.
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