San Mateo's STR ordinance (Chapter 5.66) does not mandate specific minimum liability insurance as a condition of registration. Operators are encouraged to carry adequate coverage. Platform insurance (Airbnb AirCover) provides some protection but has limitations.
The City of San Mateo's short-term rental regulations under Chapter 5.66 do not require operators to carry a specific minimum amount of liability insurance. However, operators are strongly encouraged to carry adequate coverage. Major platforms provide some protection: Airbnb's AirCover includes up to $1 million in liability coverage, and Vrbo offers similar programs. These platform policies have exclusions and may not cover all scenarios. Standard homeowners insurance often excludes commercial rental activity. Specialized STR insurance policies provide more comprehensive coverage and are recommended for regular operators. Operators should verify their coverage with their insurer to ensure short-term rental activity is included.
No city insurance mandate exists. Operating without adequate coverage is a business risk. Insurance claims may be denied if homeowners policy excludes STR activity.
San Mateo, CA
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