Palm Springs requires vacation rental operators to carry liability insurance, typically at least $500,000 per occurrence, naming the rental activity.
PSMC Chapter 5.25 requires every permitted vacation rental operator to maintain liability insurance covering commercial rental activity. Coverage must generally be at least $500,000 per occurrence, though some operators choose $1 million to align with platform host-protection tiers. Proof of insurance is typically required at registration and renewal. Standard homeowner policies usually exclude commercial rental activity, so operators need a commercial rider, a dedicated short-term rental policy, or platform-provided host liability coverage (Airbnb AirCover provides $1M liability; Vrbo offers similar). Palm Springs does not rely solely on platform coverage and expects the operator to carry underlying insurance. Claims arising from noise, over-occupancy, or amenity injuries can implicate both the policy and the permit record.
Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Palm Springs code enforcement directly for current fines, enforcement procedures, and hearing options.
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Palm Springs, CA
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Palm Springs, CA
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Palm Springs, CA
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Palm Springs, CA
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Palm Springs, CA
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Palm Springs, CA
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