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

The City of Isleton's Municipal Code, available through the Municode Library, does not include a dedicated short-term rental chapter and therefore does not contain an STR-specific insurance minimum (unlike, for example, Los Angeles' $1 million or San Francisco's $500,000 STR liability requirements). At the state level, California requires hosting platforms to provide notice to potential hosts that they should review restrictions on coverage under their homeowner's or renter's policy related to short-term rental activities to ensure appropriate insurance coverage. California Civil Code § 1748.81 (in the Hotel and Private Residence Rental Reservation Refunds chapter) governs cancellation rights for short-term rentals booked through hosting platforms but does not impose an insurance minimum. Standard homeowner's and renter's policies typically exclude transient or commercial rental use, so hosts in Isleton commonly add an STR-specific endorsement, switch to a landlord policy with STR coverage, or rely on a hosting platform's primary host liability coverage - Airbnb's AirCover for Hosts and Vrbo's Liability Insurance both provide up to $1,000,000 in primary host liability coverage subject to the platform's terms. Note: Sacramento County's STR rules apply only in unincorporated areas of the county and do not apply within the incorporated City of Isleton.