Showing ordinances that apply to North Gates, NY
North Gates is an unincorporated community (population 9,458) in Monroe County, New York. Because North Gates is not an incorporated city, it does not have its own municipal code. Instead, Monroe County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
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.
See how North Gates's insurance requirements rules stack up against other locations.
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