Newark, NJ Short-Term Rentals: Insurance Requirements (2026)

Section 18:14-4f of the Revised General Ordinances lists what an STR owner must attach to and submit concurrently with the permit application described in Section 18:14-3. Along with proof of current ownership of the unit, the owner must provide "proof of general liability insurance in a minimum amount of $500,000," and written certifications from the short-term rental property agent and responsible party agreeing to perform their assigned duties under the chapter. This insurance proof sits alongside the chapter's other application prerequisites, including a Zoning Compliance Certificate confirming no land use violation exists (Section 18:14-4d) and a sworn statement that no prior STR license was revoked or suspended (Section 18:14-4e).

The Department of Engineering reviews the complete application, including the insurance proof, before issuing a permit or a written denial within 10 business days under Section 18:14-5a. Because the insurance requirement is baked into the mandatory application package, an incomplete filing lacking proof of the $500,000 minimum coverage is not considered complete and cannot receive same-track approval.