Washoe County, NV Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $500,000 per occurrence
- Coverage type
- Liability
- Proof
- Certificate of Insurance
- Acknowledged in
- Notarized Owner Affidavit
- Code
- WCC 110.319.15(12)
Summary
Every unincorporated Washoe County STR must carry a Certificate of Insurance providing a minimum of $500,000 liability coverage per occurrence. The owner acknowledges this coverage in the notarized Owner Affidavit at application.
An appropriate Certificate of Insurance is required for the STR property that provides a minimum of $500,000 liability coverage per occurrence.
Full Breakdown
Under WCC 110.319.15(12), an appropriate Certificate of Insurance is required for the STR property that provides a minimum of $500,000 liability coverage per occurrence. When signing the Owner Affidavit within the application, the owner acknowledges that they have obtained this coverage. This is one of several application requirements alongside the transient lodging tax license number, proof of current-quarter property tax payment, and designation of a Local Responsible Party. Educational material listing occupancy limits, exits, and emergency numbers must also be provided to renters in the unit.
Violations & Fines
Failing to carry the required $500,000 liability coverage violates WCC 110.319.15(12) and the notarized Owner Affidavit; the STR permit is a privileged permit subject to revocation for noncompliance.
Frequently Asked Questions
How much STR insurance does Washoe County require?
Do I submit proof of insurance with my application?
Sources & Official References
Other rules in Washoe County
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