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

Chapter 5.38 of the Perris Municipal Code does not impose any liability-insurance requirement on short-term rental operators. The license application contents listed in Section 5.38.050 are owner and agent contact information, a 24-hour emergency contact within a 25-mile radius, a valid transient occupancy tax registration, a signed acknowledgment of the regulations, and the application fee, with no proof-of-insurance item. The operational standards in Section 5.38.080 cover occupancy limits, parking, the guest log, the 24-hour contact, noise and conduct, trash handling, advertising restrictions, and tax collection, but do not require the owner to carry, name the city on, or provide evidence of liability coverage. This makes Perris more permissive on insurance than cities that condition an STR permit on a minimum liability policy (commonly $500,000 to $1,000,000) or on adding the city as an additional insured. The absence of a code mandate does not eliminate practical insurance obligations: hosting platforms often provide or require host protection coverage, standard homeowner policies frequently exclude commercial short-term rental activity, and mortgage lenders or homeowners associations may require coverage. Hosts are therefore strongly advised to confirm appropriate short-term rental or commercial liability coverage with their own carrier even though the city does not compel it. Because requirements can change, operators should verify the current application checklist with the City before each renewal.