Stockton Municipal Code does not impose a specific liability-insurance minimum on short-term rentals. Hosts are protected only by their own homeowner/landlord policy and, where applicable, platform-provided coverage such as Airbnb's AirCover (up to $1M host liability and $3M host damage protection) or Vrbo's $1M Liability Insurance.
Unlike cities such as San Francisco (SF Admin Code §41A.5 — $500,000 liability minimum) or Santa Monica ($500,000 minimum), Stockton has not adopted an STR ordinance that prescribes a liability-insurance floor. The municipal code requires only the general business license (SMC Title 5) and TOT registration (SMC Chapter 3.28). California state law similarly does not mandate STR-specific insurance; instead, Cal. Civil Code §1864.5 requires hosting platforms to disclose to hosts whether the platform provides liability coverage and whether the host's own policy may exclude commercial short-term rental use. Standard California homeowner policies typically exclude business/commercial activity, so operating an STR without a rider or commercial policy may void coverage on a claim. Airbnb's AirCover provides up to $1,000,000 primary host liability insurance and up to $3,000,000 host damage protection; Vrbo provides $1,000,000 Liability Insurance through its CSA program.
There is no Stockton fine for failing to carry insurance because no local minimum exists. However, an uninsured incident (guest injury, fire damage to neighbor) can expose the operator to unlimited personal civil liability. Failure to obtain a business license is separately enforceable under SMC Title 5.
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