Every San Clemente STLU owner must obtain and maintain vacation rental property insurance covering the commercial lodging use of the site, provide proof to the City, and resubmit that proof each year at license renewal.
STLU permit condition 13 requires all STLU owners to obtain and maintain vacation rental property insurance covering the commercial lodging use of the site. Proof must be provided to the Community Development Director or designee, and proof for the property's use as an STLU must be resubmitted each year. The STLU Zoning Permit checklist likewise requires 'Proof of Property Rental Insurance,' and the STAR permit application imposes the same duty to carry vacation rental insurance covering commercial lodging use. It is a recurring condition tied to the annual STLU Operating License renewal, alongside neighbor-notification and TOT filings. The City's materials publish no specific coverage-dollar minimum, so confirm required limits with the Planning or Community Development Division.
Operating without the required vacation rental insurance, or failing to resubmit current proof at annual renewal, violates condition 13. Because proof of insurance is mandatory for the zoning permit and each renewal, missing coverage can block renewal and support revocation.
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