The Rocklin Short-Term Rental Permit application under RMC Ch. 5.22 requires applicants to submit proof of a homeowner's insurance policy. The City does not publish a fixed liability minimum in code; standard hosts carry STR liability coverage of $500,000–$1,000,000 per occurrence, but the binding requirement in code is documented homeowner's coverage at application and renewal.
Per the City of Rocklin's STR Permit Application (implementing RMC Ch. 5.22), the application packet must include: a floorplan of the rental unit, a parking plan, proof of a homeowner's insurance policy, a copy of the Rocklin Business License, and any HOA Rules/CC&Rs that apply. Unlike some California cities (e.g., South Lake Tahoe, Sonoma), Rocklin's ordinance does not specify a numeric per-occurrence liability minimum on the face of the code; hosts should confirm that their policy expressly covers short-term/transient rental use, since many standard homeowner's policies exclude commercial lodging. Platform host protection (e.g., Airbnb AirCover, Vrbo Liability) is typically secondary and does not substitute for the required homeowner's policy.
Failure to provide proof of homeowner's insurance is a basis for denial or revocation of the STR Permit under RMC Ch. 5.22. Operating without insurance also exposes the host to personal liability if a standard policy denies a transient-occupancy claim.
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