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

Unincorporated Trinity County does not impose a fixed short-term-rental liability-insurance requirement in its code. Neither the existing zoning ordinance nor the April 2026 Public Review Draft publishes a specific minimum coverage figure (such as a set per-occurrence amount) that every vacation rental must carry, unlike some jurisdictions that mandate, for example, a defined liability limit. That said, where a short-term vacation rental requires a Director's Use Permit, the County retains discretion to impose conditions on approval, which can include insurance, indemnification, or hold-harmless requirements tailored to the property and use. Even absent a code mandate, operators should carry adequate short-term-rental liability insurance: standard homeowner policies frequently exclude commercial rental activity, and booking platforms' host protection programs are not a substitute for a proper policy. Lenders and any homeowners' association covenants may separately require coverage. Operators should confirm with their insurer that the policy covers transient rental use and verify with the Planning Division whether any insurance condition applies to their specific permit. As rules can change, check for newly adopted requirements before listing.