Moreno Valley, CA Short-Term Rentals: Insurance Requirements (2026)

Moreno Valley requires STR operators to maintain general liability insurance that specifically covers short-term rental activity. Standard homeowner policies exclude commercial rental use, so hosts must either purchase a dedicated STR policy, add a commercial rider to their HO policy, or rely on a platform-provided host liability program that meets the city's minimums. The typical required limit is $1,000,000 per occurrence. Proof must be uploaded with the permit application and must list the subject property address. Policies must remain in force for the entire permit period; cancellation or lapse can result in automatic permit suspension. Airbnb AirCover for Hosts and VRBO Liability Insurance both advertise $1 million in host liability coverage and may satisfy the city requirement, but hosts who list on multiple platforms or rent directly should carry their own named policy to avoid gaps. Claim events often involve guest injuries in pools, spa burns, dog bites from hosts pets left onsite, or vehicle damage in tight driveways. Hosts should also verify that their policy covers the city-required defense obligation (not just indemnity), since some platform coverages are indemnity-only. Most lenders also require notification when a property switches from primary residence to STR use.