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

The Vacaville Municipal Code does not include an STR insurance article. Chapter 5.08 (General Licensing) and Chapter 5.12 (License Taxes) govern business-license issuance and tax rates, but neither imposes a uniform liability-insurance floor across business types; some specialty uses (e.g., contractors, alcohol service, sidewalk vendors) carry insurance conditions tied to the specific license, and a lodging use may have insurance conditions written into its individual use permit under Title 14. There is no published city-wide STR insurance minimum (such as the $500,000 or $1,000,000 liability limits adopted in other California cities) because the city does not authorize STRs in residential zones in the first place. Operators of lawful lodging uses typically carry commercial general liability, property, business interruption, liquor liability (where alcohol is served), and umbrella coverage as required by their commercial lender, franchise agreement (for branded hotels), or use-permit conditions; California Insurance Code does not mandate a specific liability minimum for lodging facilities. Airbnb's AirCover host program and similar platform programs provide a layer of host liability and damage coverage for platform-mediated stays, but those programs are private contracts between the host and the platform and do not satisfy any local code requirement, and do not authorize an otherwise unpermitted residential-zone STR. Operators should also confirm with their homeowner's or renter's insurer whether short-term rental activity is excluded by policy, because most personal residential policies exclude commercial lodging activity.