Plumas County, CA Short-Term Rentals: Insurance Requirements (2026)

Plumas County does not require short-term rental operators in its unincorporated areas to carry a specified amount of liability insurance. Some jurisdictions with STR permit programs require proof of liability coverage (often around one million dollars) as a permit condition, but Plumas County has no STR permit or ordinance and therefore imposes no such mandate. The County's regulatory touchpoint for vacation rentals is Transient Occupancy Tax registration under Ordinance No. 544, which is a tax-collection mechanism and does not include an insurance condition. As a result, insurance for a Plumas County vacation rental is driven by private requirements rather than public code: a mortgage lender may require adequate property and liability coverage, a homeowners' association or planned development may set its own insurance terms, and the booking platform may provide or require certain host protections. Operators are nonetheless strongly encouraged to carry short-term-rental-appropriate liability and property coverage, because standard homeowner policies often exclude commercial or transient-rental activity, leaving a gap if a guest is injured or property is damaged. Confirming coverage with an insurer that understands short-term rentals is prudent even though the County does not require it. Operators should verify there are no newer county requirements with the Planning Department before relying on the absence of an insurance rule.