Temecula, CA Short-Term Rentals: Insurance Requirements (2026)

Temecula's short-term rental ordinance (Title 5) requires operators to maintain commercial general liability insurance with a minimum limit of $500,000 per occurrence — some California cities require $1 million; verify the current Temecula threshold via the program page. The certificate of insurance must be submitted with the permit application and renewed annually. Many operators satisfy this requirement through platform-provided coverage: Airbnb's AirCover for Hosts provides $1M liability and $3M property protection automatically; Vrbo offers $1M liability through CSA Travel Protection. Operators using these platforms exclusively can typically submit platform documentation in lieu of separate policies; mixed-platform or direct-booking operators must carry their own commercial STR rider. Standard homeowners policies generally exclude commercial use including STR activity, so a separate vacation-rental endorsement (offered by Proper Insurance, CBIZ, Slice, or specialty carriers) is required for non-platform bookings. Failure to maintain insurance suspends the permit and renders the operator personally liable for guest injuries. Mortgage lenders and HOA CC&Rs may impose additional insurance requirements separate from city rules.