Showing ordinances that apply to Southold, NY
Southold is an unincorporated community (population 6,040) in Suffolk County, New York. Because Southold is not an incorporated city, it does not have its own municipal code. Instead, Suffolk County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Suffolk County town STR permit applications typically require proof of liability insurance, usually 500,000-1,000,000 dollars minimum. Airbnb Host Protection (1M) and Vrbo Liability Insurance satisfy most town requirements. Standard homeowners policies exclude STR activity.
East Hampton Rental Registry application requires proof of current homeowners insurance. Southampton Town Code Chapter 270 rental permit applications require a certificate of insurance showing at least 500,000 dollars liability coverage. Standard NY homeowners (HO-3) policies exclude commercial rental activity under the business pursuits exclusion; a rider or commercial policy is needed. Airbnb's AirCover for Hosts provides 1M in liability coverage secondary to host insurance. Vrbo provides 1M primary liability. NY Insurance Law does not mandate STR-specific coverage at the state level.
Operating without required insurance: permit revocation. Uninsured liability claims may result in personal asset exposure for the host.
See how Southold's insurance requirements rules stack up against other locations.
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