Clackamas County, OR Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Insurance proof required
- Yes, at application (8.10.040(D)(6))
- Minimum coverage amount
- Not specified in county code
- Filed with
- Registration application via Clackamas.us/str
- Missing proof
- Application cannot be approved
- Enforcement
- Citation, fine, or registration revocation
Summary
Clackamas County requires every short-term rental applicant to submit proof of liability insurance coverage on the rental as part of the Section 8.10.040 registration package, alongside owner contact information and a compliance affidavit.
D. Application forms for a registration for a short-term rental are available online at Clackamas.us/str and at County offices. Applications for registrations for a short-term rental must be submitted to the County by a signed affidavit of compliance. The application documents must include at least the following: ... 5. The name, telephone number, address, and email address of a contact person who shall be responsible and authorized to respond to complaints concerning the use of the short-term rental. 6. Proof of liability insurance coverage on the short-term rental. 7. Owner must prohibit STR renters from subleasing the property or otherwise using it to generate income, must terminate rental agreement immediately upon learning of such activities, and must not rent to anyone who the owner has reason to believe intends to use the STR for such activities. 8. That the applicant has met and will continue to comply with the standards and requirements of this chapter.
Full Breakdown
050. us/str or at county offices. Because insurance proof is one of the required application documents rather than a stand-alone permit, a registration missing it is incomplete and cannot be approved; renewal applications, due at least 60 days before the two-year registration expires, must likewise confirm insurance is still in force. 040(E).
Violations & Fines
A registration application missing required documentation, including proof of insurance, will not be approved, which blocks the owner from legally advertising or renting the property under Section 8.10.040(E). If an already-registered rental is later found to lack the coverage it certified, the county can pursue enforcement under Chapter 2.07 with an immediate citation per Section 8.10.080(D), giving the owner 30 days to cure the violation or request a hearing. Section 8.10.090 authorizes suspension or revocation of the registration and a fine set by Board of County Commissioners resolution for any violation of Chapter 8.10, which includes the application requirements in Section 8.10.040(D).
Frequently Asked Questions
Does Clackamas County require liability insurance for short-term rentals?
How much liability insurance coverage does the county require?
What happens if I don't submit insurance proof with my registration?
Sources & Official References
Other rules in Clackamas County
Compare Clackamas County to another location·View the Oregon short-term rentals overview
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