Beaverton, OR Short-Term Rentals: Insurance Requirements (2026)

Unlike Portland (which requires registration, inspections, and platform compliance) or Gresham (which sets a $1,000,000 liability requirement), Beaverton has not enacted an STR-specific ordinance. The city's Permits & Regulations page treats STRs as ordinary rental businesses, with no city-codified liability insurance minimum, no STR-specific operating permit, and no requirement to register the dwelling as an STR. Operators must hold a general business license under Beaverton Code Chapter 7 and provide a local agent contact for the rental property. Lodging tax obligations are layered: Beaverton's city transient lodging tax (TLT) is 4% (used in part to support the Patricia Reser Center for the Arts), Washington County's TLT is 9%, and Oregon's state TLT is 1.5% under ORS 320.300 to 320.365 - a combined effective rate around 14.5% on short-term stays (less than 30 consecutive days). Airbnb collects and remits Beaverton's 4% city TLT automatically; hosts should confirm whether their platform also remits the county and state portions, and register directly for any portion not auto-collected. Standard Oregon homeowner policies typically exclude or sharply limit transient lodging use, so most hosts add an STR endorsement or buy a separate vacation-rental policy. Airbnb Host Liability Insurance and Vrbo Liability Coverage each provide up to $1,000,000 per occurrence in secondary coverage but should not replace a primary policy. The Oregon Residential Landlord and Tenant Act (ORS Chapter 90) does not apply to occupancies under 30 days, but the state lodging-tax statutes (ORS 320.300 to 320.365) do.