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

Based on the reviewed text of Mariposa County Code Section 17.108.180 and the County's TOT information packet, there is no liability-insurance requirement imposed on vacation rental, bed and breakfast or agricultural homestay operators in the unincorporated county. The ordinance's conditions center on life-safety and neighborhood-impact controls: Fire Department and Building Department inspections against the residential transient occupancy safety checklist (subsections F, G, K), a valid certificate of occupancy (subsection L), Health Department approval of sewage and water systems (subsection E), occupancy and bedroom limits, parking standards, quiet hours, signage, and an annual self-certification of working smoke/CO alarms and charged fire extinguishers (subsection Q). None of these provisions, and nothing else in the reviewed code or the County TOT packet, requires proof of homeowner, landlord, or commercial liability insurance as a condition of the transient occupancy registration certificate. This is an area where requirements can change, and a hosting platform (such as Airbnb or Vrbo) or a mortgage lender may separately require coverage even though the County does not. Operators should confirm current requirements directly with the Mariposa County Planning Department, because administrative application materials can add conditions not reflected in the base code text. As reviewed, however, insurance is not a County code mandate for short-term rentals.