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

230(H) sets special requirements that apply to vacation rentals (whole-house rentals). Subsection (H)(2), 'Liability Insurance,' requires that prior to approval of a vacation rental permit, the property owner must provide proof that the property has current, valid liability insurance. This proof is part of the permit application, and because no application is approved until all required information is received, a vacation rental cannot be permitted until the owner demonstrates active liability coverage. The ordinance does not specify a minimum dollar amount of coverage, but the insurance must be current and valid.

230(G) - which cover the number of bedrooms and the owner-occupancy requirement - do not include a separate liability insurance mandate, reflecting that a hosted homestay is the owner's own occupied residence. 230(F)(3) makes clear the ordinance does not waive any obligation to comply with applicable CC&Rs, and the owner remains solely responsible for complying with any homeowners association rules, which may carry their own insurance expectations.