Insurance Requirements: Gresham vs Portland
How do insurance requirements rules compare between Gresham, OR and Portland, OR?
Gresham and Portland have similar restriction levels.
Gresham, OR
Multnomah County
Gresham requires every short-term rental operator to provide proof of liability insurance covering guests for at least $1 million as a condition of registration under Gresham Revised Code Article 9.56. The host submits the insurance carrier name, policy number, and expiration date on the STR application; both Hosted Homeshare ($175) and Vacation Home Rental ($375) registration types require this filing.
View full Gresham rules →Portland, OR
Multnomah County
Portland STR permit applicants must certify liability insurance of at least 500,000 dollars; platform host protection programs like AirCover can meet the requirement.
View full Portland rules →Key Facts Comparison
| Fact | Gresham | Portland |
|---|---|---|
| Code | GRC Article 9.56 | - |
| Liability Minimum | $1,000,000 covering guests | - |
| Filing Items | Carrier, policy #, expiration | - |
| Hosted Fee | $175 / year | - |
| Vacation Home Fee | $375 / year | - |
| - | - |
Highlighted rows indicate differences between cities.
Gresham FAQ
Does Gresham require insurance for an Airbnb or short-term rental?
Yes. Gresham Revised Code Article 9.56 requires every short-term rental operator to file proof of liability insurance covering guests for at least $1 million as part of the annual registration application. The host submits the carrier name, policy number, and expiration date for both Hosted Homeshare ($175) and Vacation Home Rental ($375) registrations.
Will my regular homeowners policy meet Gresham's $1 million STR requirement?
Usually no. Standard Oregon homeowner policies typically exclude or sharply limit transient lodging activity, so most Gresham hosts add a short-term rental endorsement or buy a stand-alone vacation rental policy. Airbnb AirCover Host Liability and Vrbo Liability Insurance (up to $1,000,000 per occurrence) provide secondary coverage on platform bookings only and are not a substitute for the primary policy.
Portland FAQ
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