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

Some Restrictions

Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Application requirement: proof of insurance, § 6.455.040(A)(4)
Ongoing requirement: maintain adequate policy, § 6.455.120
Who sets adequacy: Permit Administrator (City Manager designee)
Coverage minimum in code: none fixed; administrator specifies terms
Inspection right: administrator may request records/access, § 6.455.140(M)

Summary

Ventura requires proof of insurance before it will issue a short-term rental permit and requires that coverage to continue afterward. Municipal Code § 6.455.040(A)(4) makes proof of insurance part of every application, and § 6.455.120 requires the owner to maintain a policy the permit administrator finds adequate and appropriate for the use.

4. Proof of insurance as required by this chapter. ... The owner of short-term vacation rental or homestay shall maintain an insurance policy as specified by the permit administrator that is adequate and appropriate for short-term vacation rental or homestay use, as applicable.

View official code

Official source re-checked September 8, 2026: no newer edition of the code had been published (publisher’s edition: current through Ordinance 2026-008, passed May 12, 2026).

Full Breakdown

040(A) lists the documents every short-term vacation rental or homestay application must contain, and item 4 requires proof of insurance as required by this chapter. 120, which states that the owner of a short-term vacation rental or homestay shall maintain an insurance policy as specified by the permit administrator that is adequate and appropriate for short-term vacation rental or homestay use, as applicable. 030, authority to specify the policy terms that count as adequate for a given property, letting the requirement track the size and risk profile of each unit.

040(A)(7) to confirm compliance. 120 is ongoing, not a one-time proof at application, so a policy that lapses during the permit term leaves the owner out of compliance with the chapter even after the initial permit issued.

Violations & Fines

Operating without the insurance the permit administrator has specified as adequate under § 6.455.120 is a violation of Chapter 6.455 under § 6.455.170, and an owner who cannot produce current proof of coverage on request under § 6.455.040(A)(7) or § 6.455.140(M) risks a notice of violation and, on repeat findings, suspension or revocation under § 6.455.190.

Frequently Asked Questions

Does Ventura require short-term rental owners to carry insurance?

Yes. Section 6.455.040(A)(4) makes proof of insurance a required part of every permit application, and § 6.455.120 separately requires the owner to maintain an insurance policy the permit administrator finds adequate and appropriate for short-term vacation rental or homestay use for as long as the permit is active.

Does the code set a specific coverage amount?

No. Section 6.455.120 leaves the exact coverage terms to the permit administrator, the city manager's designee under § 6.455.030, who specifies what counts as an adequate and appropriate policy rather than a fixed dollar minimum written into the chapter.

What if my insurance lapses after I get my permit?

Section 6.455.120 requires the owner to maintain coverage on an ongoing basis, and § 6.455.140(M) lets the permit administrator request access to records to check compliance at any time during normal business hours, so a lapsed policy can support a notice of violation.

Sources & Official References

[1]San Buenaventura Municipal Code § 6.455.120

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