Riverside short-term rental hosts must carry liability insurance of at least $500,000, or operate through a platform providing equivalent coverage, under RMC Chapter 5.72.
Riverside's STR ordinance requires each registered short-term rental to maintain commercial general liability insurance with minimum limits of $500,000 per occurrence for bodily injury and property damage, or to rent exclusively through a hosting platform (Airbnb, VRBO) that provides equivalent host-protection coverage such as Airbnb's $1 million AirCover or VRBO's Liability Insurance. Proof of insurance (certificate of insurance or platform listing screenshot) must be submitted with the STR registration and annually at renewal. Standard homeowners policies typically exclude commercial rental activity; hosts should obtain a rider or dedicated STR policy (Proper Insurance, Safely, CBIZ). California does not mandate STR insurance statewide but cities may require it under home-rule authority.
Operating without current proof of insurance is an STR ordinance infraction subject to fines up to $1,500 per day and is grounds for immediate permit suspension.
Riverside, CA
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Riverside, CA
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Riverside, CA
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Riverside, CA
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Riverside, CA
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Riverside, CA
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