Town of Webb STR ordinance (Old Forge area) requires minimum $500,000 liability insurance with STR endorsement. Other Oneida County municipalities have no specific STR insurance mandate. NY statewide STR framework (effective March 25, 2025) imposes platform tax collection but no insurance floor.
Town of Webb (covering Old Forge, Thendara, Eagle Bay in the Fulton Chain of Lakes resort corridor) enacted one of the earliest Adirondack-area STR ordinances; §160 requires minimum $500,000 per-occurrence liability coverage with a specific short-term rental endorsement, submitted with the annual STR permit application ($250 fee). Utica, Rome, and most suburban towns have no STR insurance mandate as of early 2026; typical homeowner HO-3 policies exclude commercial rental activity, so platform coverage (Airbnb AirCover $1M, Vrbo Liability Insurance $1M) supplements gaps. NY's December 2024 statewide STR law (effective March 25, 2025) requires platform tax collection and quarterly reporting but does not set an insurance minimum. Consult a NY-licensed agent for specific STR endorsements (Proper Insurance, Slice, CBIZ).
Town of Webb: operating without required insurance/permit, $500-$1,500 per day plus permit revocation.
Utica, NY
Utica prohibits unreasonable noise that disturbs neighbors under City Code Chapter 2-19. Quiet hours run 10:00 PM to 7:00 AM Sunday through Thursday and 11:0...
Utica, NY
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Utica, NY
Utica limits front-yard fences to 4 feet in residential zones and rear/side-yard fences to 6 feet under Zoning Code Chapter 2-22. Fences over 6 feet require ...
Utica, NY
Utica requires all dogs to be leashed when off their owner's property under City Code Chapter 2-5. Leashes must not exceed 6 feet in length. Dogs running at ...
Utica, NY
Utica follows New York State Penal Law §270.00, which prohibits the possession, sale, and use of all consumer fireworks. Only ground-based sparkling devices ...
Utica, NY
Utica requires property owners to keep grass and weeds below 10 inches under City Code Chapter 2-13. Violations result in a written notice and 7 days to comp...
See how Utica's insurance requirements rules stack up against other locations.
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