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

Section 37.005(F) of the Indio Municipal Code requires the owner to provide proof of general liability insurance that covers the rental of the property as a short-term rental in the aggregate sum of not less than $1,000,000. As an alternative, the owner may provide evidence that each rental occurs through a platform (such as Airbnb or VRBO) that provides equal or greater insurance coverage. Proof of insurance must be provided at the time of both initial permit issuance and every renewal, and the coverage must remain in effect for the entire duration of the annual permit. The ordinance is explicit about the consequence of a lapse: failure to maintain liability insurance results in suspension of the permit. This insurance requirement sits alongside other risk-shifting application requirements - Section 37.005(C)(11) requires an executed indemnification and hold-harmless agreement in the form approved by the City Attorney, and Section 37.005(E) requires an affidavit signed under penalty of perjury that the owner maintains full responsibility for lawful operation. Because Indio is a high-volume festival rental market, the $1,000,000 floor is a meaningful underwriting requirement that owners must verify with their carrier or confirm through their booking platform's host protection program before listing.