Rockland County, NY Short-Term Rentals: Insurance Requirements (2026)

There is no Rockland County or NY State code mandating minimum STR liability insurance limits as of 2026. However, local rental registration programs often require proof of insurance naming the rental activity. Clarkstown, Ramapo, and Orangetown rental registries under their local codes request a current certificate of insurance with the permit application. Standard homeowner policies (HO-3, HO-5) typically exclude commercial rental activity, so hosts need a business or landlord policy endorsement. Airbnb's AirCover provides up to $3 million in host protection but excludes intentional acts, mold, earth movement, and wear and tear. VRBO provides a similar $1 million liability coverage. Most Rockland mortgage lenders have rental-activity clauses that require notification. HOA and condo associations in Rockland (especially higher-density Orangeburg and Pearl River communities) often require proof of $1-2 million per occurrence liability. For sukkah-related religious hospitality rentals in Ramapo, standard residential policies often cover occasional guests if no commercial listing exists.