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

Eugene Code 3.350, adopted by Ordinance 20638 in 2022, sets up a simple no-fee annual registration for short-term rentals. Unlike STR ordinances in cities such as Portland or Bend, Eugene's ordinance does not impose a numeric liability minimum or require operators to submit a certificate of insurance to the Planning Division. The registration form captures the rental address, owner/operator name, owner-occupancy status, and a 24-hour local contact - but no insurance documentation. That said, most standard homeowner and landlord policies in Oregon exclude or limit coverage for transient lodging activity, so Eugene hosts commonly add either a short-term rental endorsement to an existing policy or a stand-alone vacation rental policy. Airbnb's AirCover Host Liability program and Vrbo's Liability Insurance program each provide up to USD 1,000,000 per occurrence in secondary coverage on bookings made through those platforms, but these are not substitutes for primary coverage and only apply to qualifying claims. Oregon's transient lodging tax statute (ORS 320.300 to 320.365) governs the 1.5 percent state lodging tax that applies on top of Eugene's local 4.5 percent Transient Room Tax, and is also independent of any insurance question. Hosts with questions should contact the Planning Division at 541-682-8336.