Insurance Requirements: Gresham vs Troutdale
How do insurance requirements rules compare between Gresham, OR and Troutdale, OR?
Troutdale has fewer restrictions than Gresham.
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 →Troutdale, OR
Multnomah County
Oregon has no statewide short-term rental insurance mandate, and Troutdale's municipal code does not require STR operators to carry a specific liability policy or name the city as additional insured. Most lenders and STR markets still expect at least $1,000,000 per-occurrence commercial general liability coverage written for transient occupancy, since standard homeowner policies often exclude STR use. Confirm any city-specific requirement with Community Development at 503-674-7230.
View full Troutdale rules →Key Facts Comparison
| Fact | Gresham | Troutdale |
|---|---|---|
| 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 | - |
| City-Mandated Insurance | - | Not required by Troutdale code |
| State Mandate | - | None - Oregon has no statewide STR insurance law |
| Industry Standard | - | $1,000,000 per-occurrence CGL |
| Homeowner Policies | - | Often exclude short-term rental use |
| Platform Coverage | - | Supplemental only (AirCover, Vrbo Liability) |
| State Lodging Tax | - | 1.5% (ORS 320.300+) |
| County Lodging Tax | - | Multnomah County collects local TLT |
| Confirm With | - | Community Development 503-674-7230 |
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.
Troutdale FAQ
Does Troutdale require liability insurance to run a short-term rental?
No. The Troutdale Municipal Code does not require a specific liability policy, additional-insured endorsement, or certificate of insurance for STR operators. Coverage is left to the host's lender, platform, and personal risk decisions.
Will my homeowners insurance cover my Troutdale Airbnb?
Often no. Standard homeowners policies typically exclude or limit short-term rental activity. Ask your carrier in writing to confirm transient-occupancy coverage, or buy a dedicated STR commercial general liability policy.
Does Airbnb AirCover satisfy any insurance requirement in Troutdale?
Troutdale has no insurance requirement to satisfy. AirCover and Vrbo's Liability Insurance are supplemental excess programs that pay after primary coverage; they should not be relied on as sole coverage.
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