Insurance Requirements: Hillsboro vs Tigard

Does Hillsboro require a specific liability insurance amount for STRs?

Hillsboro's CDC 12.40.230 short-term rental standards, adopted by Ordinance 6467, do not publish a fixed liability minimum on the city's STR permitting page. Most hosts still carry $1,000,000 in liability coverage through a short-term rental endorsement on a homeowner or landlord policy. Confirm any current administrative condition for your permit with Planning at 503-681-6153.

Will my regular homeowners policy cover my Hillsboro Airbnb?

Usually no. Standard Oregon homeowner policies typically exclude or sharply limit transient lodging activity, which is why most STR operators add a short-term rental endorsement or buy a separate landlord or vacation-rental policy. Airbnb AirCover and Vrbo Liability Insurance offer up to $1,000,000 per occurrence in secondary coverage on covered platforms but are not a substitute for a primary policy.

Does Tigard require a specific liability insurance amount for short-term rentals?

No. Tigard has not adopted an STR-specific ordinance and does not publish a liability minimum. Hosts are still strongly advised to carry at least $1,000,000 in liability coverage through a short-term rental endorsement on a homeowner or landlord policy, because standard Oregon homeowner policies typically exclude transient lodging activity.

Will my regular homeowners policy cover my Tigard Airbnb?

Usually no. Most Oregon homeowner policies exclude or sharply limit commercial or transient lodging use, which is why hosts add an STR endorsement or buy a separate vacation-rental policy. Airbnb AirCover and Vrbo Liability Coverage offer up to $1,000,000 per occurrence in secondary coverage on covered platforms but should not replace a primary policy.