Newport Beach requires all short-term rental operators to maintain minimum liability insurance as a condition of their short-term lodging permit. Proof of coverage must be provided at permit issuance and renewal.
Under NBMC Chapter 5.95, short-term rental operators must maintain commercial general liability insurance with minimum coverage of $500,000 per occurrence covering the rental property and guests. The policy must name the City of Newport Beach as an additional insured or certificate holder. Proof of current insurance is required at initial permit application and each annual renewal. Operators must maintain continuous coverage throughout the permit period. Lapses in coverage may result in permit suspension. Many homeowners insurance policies exclude short-term rental activity, so operators typically need a rider or separate commercial policy. The city verifies insurance compliance during the permit process through Community Development at (949) 644-3200.
Operating a short-term rental without required insurance coverage is grounds for permit suspension or revocation. Failure to provide proof of insurance at renewal prevents permit reissuance. Operators are personally liable for guest injuries if uninsured.
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