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

Unincorporated Amador County imposes no codified liability-insurance requirement on short-term-rental operators. The County has not adopted a dedicated short-term-rental ordinance that could carry such a permit condition, and the two frameworks that do apply do not require insurance. The Transient Occupancy Tax under Code Chapter 3.16 is a tax-collection mechanism - registration certificate, 10% tax, quarterly remittance - and does not mandate liability coverage. The zoning use-permit pathways under Code Chapter 19.48 for a bed-and-breakfast inn or detached room units focus on land-use conditions such as parking, owner or manager occupancy, food service, septic capacity, and signage, and are not reported to require liability insurance, although the Planning Commission has broad authority to attach conditions of approval and could in principle require it on a given permit. This differs from jurisdictions that mandate a minimum liability policy as an explicit permit condition. Independently of County rules, hosting platforms such as Airbnb and Vrbo offer their own host-protection or liability programs, and standard homeowners policies frequently exclude commercial short-term-rental activity, so most operators carry a short-term-rental or landlord liability policy regardless. Operators should not assume a platform program is adequate or that it substitutes for their own coverage. Confirm with Amador County Planning whether any insurance condition would attach to a specific use permit, and check any applicable HOA or lender requirements, which may demand insurance independent of the County.