Passaic, NJ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $500,000 general liability insurance
- Required for
- Initial Short-Term Rental Registration Certificate application
- Registration fee
- $250, non-refundable
- Renewal
- Certificate must be renewed annually
Summary
Passaic won't issue a Short-Term Rental Registration Certificate without proof of coverage: Code of the City of Passaic § 100-15A(11) requires 'proof of general liability insurance in a minimum amount of $500,000' as part of the initial application, alongside proof of ownership and a clean municipal court record.
An initial application for a Short-Term Rental Registration Certificate must include the following information to be considered complete: ... Proof of the owner's current ownership of the short-term rental unit; ... Proof of general liability insurance in a minimum amount of $500,000;
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4978046; v41 updated 2026-07-01; through 07-01-2026).
Full Breakdown
' It sits alongside proof of the owner's current ownership of the unit (item 8), a certification that there are no outstanding Municipal Court fines or open code violations tied to the property, owner, or responsible party (item 10), and, for condo, co-op, or HOA units, governing documents proving short-term rentals are actually allowed (item 12). The application is not deemed complete without every item on the list, including the insurance proof, and the Director of Inspections and Code can additionally demand more information 'as necessary to achieve the objectives of this chapter' under item (17).
The $250 registration fee (§ 100-15B) is non-refundable even if the insurance requirement or any other item causes the application to be withdrawn or denied, and the certificate itself must be renewed annually (§ 100-15D). The certificate also expires automatically the moment the property changes ownership, so a new owner must submit fresh proof of insurance with a new application and fee (§ 100-15E).
Violations & Fines
Submitting an incomplete application, including missing insurance proof, means the Short-Term Rental Registration Certificate cannot issue, and operating or advertising the unit without a certificate exposes the owner, agent, responsible party, and any intermediary to Municipal Court fines of $100 to $2,000 per violation per day under § 100-15K.
Frequently Asked Questions
How much liability insurance does a Passaic short-term rental need?
Does the insurance proof need to be updated when I renew my Passaic short-term rental certificate?
Will I get my $250 registration fee back if I can't provide proof of insurance?
Sources & Official References
Other rules in Passaic
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