Seaside Heights requires $500,000 minimum liability insurance per occurrence for STR permits. Most Ocean County STR municipalities require proof at registration. Standard homeowner policies often exclude commercial rental.
Seaside Heights (Borough Code Ch. 205 Article II, Short-Term Rentals) requires STR permit applicants to carry liability insurance with a minimum limit of $500,000 per occurrence and provide a certificate naming the property. Point Pleasant, Lavallette, Long Beach Township, Harvey Cedars, Beach Haven, Barnegat Light, and Surf City have similar insurance requirements ranging from $300,000 to $1 million. Toms River and Brick require general liability coverage as part of mercantile license applications for rental businesses. Airbnb's Host Liability Insurance and Vrbo Liability Insurance provide $1 million in per-stay coverage but do not necessarily satisfy local requirements — hosts should confirm with their municipal clerk. A standard NJ HO-3 homeowner policy typically excludes 'business pursuits,' so hosts usually need an HO-4 or HO-6 endorsement, a landlord (DP-3) policy, or a commercial STR policy. NJ hotel/motel occupancy fee (N.J.S.A. 54:32D) applies separately to STRs under 90 days.
No proof of insurance: permit denial or non-renewal. Lapsed coverage discovered post-issuance: immediate permit suspension. Claims without valid coverage expose the host to personal liability and potential home foreclosure.
Ocean County, NJ
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See how Ocean County's insurance requirements rules stack up against other locations.
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