Newark Ch. 18:14 requires STR operators to carry a minimum $500,000 general liability insurance policy covering short-term rental activity. Proof of insurance must be submitted with the permit application.
Under Newark Ch. 18:14, all STR permit applicants must provide proof of general liability insurance with a minimum coverage of $500,000 specifically covering short-term rental operations. The insurance policy must name the City of Newark as an additional insured party. This coverage must be maintained throughout the permit period and proof of renewal submitted annually with the permit renewal application. Standard homeowners insurance typically does not cover commercial rental activity, so hosts usually need a rider or separate STR policy. Failure to maintain valid insurance is grounds for permit suspension or revocation.
Contact your local code enforcement office for specific penalty information.
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See how Newark's insurance requirements rules stack up against other locations.
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