Syracuse, NY Short-Term Rentals: Insurance Requirements (2026)

Unlike cities such as New York City or Hudson, Syracuse has not adopted a short-term rental specific ordinance, and the Chapter 27 Article 9 Rental Registry does not require operators to file a certificate of insurance with the Division of Code Enforcement as a condition of issuance. The Rental Registry Certificate application requires identification of the owner, a managing agent residing within 60 miles, payment of the $150 fee, and current standing on city taxes and water bills under Section 27-133, but does not condition issuance on minimum liability coverage. Most Syracuse hosts therefore rely on a combination of Airbnb's Host Liability program or Vrbo's Liability Coverage (each providing up to $1,000,000 per occurrence on covered platforms as a secondary layer) and a private short-term rental endorsement on a homeowner or landlord policy, since standard New York homeowner forms typically exclude commercial or transient occupancy. Onondaga County has not enacted a county STR registry under the new state framework as of mid-2026, though Chapter 99 of the 2025 Laws (S.820/A.5686) authorizes counties to do so and may impose insurance terms in future local laws.