Does this require every California host to carry insurance?

Not directly. The platform must either verify the host carries qualifying liability coverage or disclose to guests that the listing has no coverage.

Can California cities require additional insurance for STR hosts?

Yes. Cities such as San Francisco and Los Angeles impose their own host insurance and registration requirements on top of the state platform rules.

California Insurance Requirements Law: Statewide Short-Term Rentals Rules (2026)

Key Facts

Statute: Civil Code 1864
Minimum coverage: $1,000,000 liability
Effective: July 1, 2022
Applies to: Hosting platforms statewide

Source: California Business and Professions Code Section 22592 (Internet Private Residence Rental Listings - Hosting Platform Insurance Disclosure Notice)

Full Breakdown

Civil Code Section 1864, enacted via AB 537 (2021), requires online hosting platforms that book short-term lodging in California to verify that hosts maintain liability insurance of at least $1 million or to disclose to guests that no coverage is in place. The law also requires platforms to disclose total reservation prices upfront, including cleaning fees and taxes. While cities may add their own STR licensing requirements, the platform-level insurance verification and price disclosure rules apply statewide and cannot be overridden by local ordinance.

Violations & Penalties

Civil penalties up to $5,000 per violation enforceable by the Attorney General, district attorneys, or city attorneys against hosting platforms.

California Short-Term Rental Platform Insurance Disclosure Law

Key Facts

Full Breakdown

Violations & Penalties

Frequently Asked Questions

Sources

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