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

Under Gresham Revised Code Article 9.56, an applicant for a short-term rental registration certificate must provide the company name, policy number, and expiration date of a liability insurance policy that covers guests for up to $1 million. The requirement is published in the city's Short-Term Rental Vacation Home Owner Information sheet and the Hosted Homeshare checklist administered by the Community Revitalization division. Both registration categories - Hosted Homeshare at $175 per year for owner-occupied properties and Vacation Home Rental at $375 per year for non-owner-occupied properties - condition issuance and renewal of the certificate on the insurance filing alongside the floor plan, owner government ID, and 24-hour primary and secondary contacts (one of whom must reside in the Portland metro area). Standard Oregon homeowner policies typically exclude or sharply limit transient lodging activity, so most Gresham hosts add a short-term rental endorsement to a homeowner or landlord policy or buy a stand-alone vacation rental policy to satisfy the $1 million requirement. Airbnb's AirCover Host Liability program and Vrbo's Liability Insurance program each provide up to $1,000,000 per occurrence in secondary coverage on bookings made through those platforms, but they are not substitutes for the primary liability policy Article 9.56 requires. The insurance documentation is filed with the registration application and the certificate must be posted in a window facing the street.