Staten Island STR hosts operating under NYC's Local Law 18 registration regime must comply with Airbnb/platform insurance ($1M Host Liability) plus carry homeowner or commercial coverage that does not exclude short-term rental activity. NYC does not mandate a specific minimum but co-ops/condos and mortgage lenders often require $500K-$1M.
New York City's Short-Term Rental Registration Law (Local Law 18 of 2022, NYC Admin Code §26-3101 et seq., enforced by the Mayor's Office of Special Enforcement) requires all hosts, including Richmond County/Staten Island operators, to register before booking stays under 30 days. While Local Law 18 does not set a statutory minimum liability amount, hosts must certify compliance with NYC Housing Maintenance Code, Building Code, and zoning — and the Multiple Dwelling Law §4(8) restriction means most Class A multiple dwellings cannot be rented under 30 days regardless of insurance. Standard ISO HO-3 homeowners policies exclude 'business pursuits,' so hosts typically need an endorsement (e.g., HO 24 71) or a commercial dwelling/landlord policy. Airbnb AirCover provides $1M Host Liability Insurance and VRBO offers $1M Liability Insurance, but these are excess/secondary and do not cover the host's own property damage or intentional acts. Staten Island 1-2 family homes (the predominant housing stock) avoid MDL §4(8) issues but still must register under LL18. Co-op/condo boards on the North Shore (St. George, Stapleton) frequently impose their own $1M-$2M liability minimums via proprietary lease or bylaws.
Operating without LL18 registration: first violation $1,000-$5,000, subsequent $2,500-$7,500 per NYC Admin Code §26-3104. Booking platforms prohibited from processing unregistered listings. Uninsured losses fall on the host personally; HO policy denial is common for undisclosed STR activity.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Richmond County, NY
Staten Island outdoor lighting must comply with NYC Zoning Resolution Section 23-00 and 42-00 performance standards for glare and trespass.
Richmond County, NY
NYC Zoning performance standards and common-law nuisance address excessive light trespass onto neighboring Staten Island properties.
Richmond County, NY
Official NYC-issued or approved bins must be placed at the curb between 6 PM the night before pickup and 4 AM the morning of pickup, and removed from the pub...
Richmond County, NY
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Richmond County, NY
Bulk items (furniture, mattresses, appliances) are collected by DSNY on regular trash days with no separate appointment for most items. Mattresses and box sp...
Richmond County, NY
Recycling is mandatory on Staten Island. Metal, glass, plastic, and cartons go in one bin (blue labeled); mixed paper and cardboard go in a separate bin (gre...
See how Richmond County's insurance requirements rules stack up against other locations.
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