Portland STR permit applicants must certify liability insurance of at least 500,000 dollars; platform host protection programs like AirCover can meet the requirement.
PCC 33.207 requires Accessory Short-Term Rental operators to maintain at least 500,000 dollars per occurrence liability insurance covering guest injuries and property damage. Platform-provided programs such as Airbnb AirCover or Vrbo Liability Insurance generally satisfy the threshold when active. Operators accepting direct bookings must carry a commercial homeowner endorsement or specialty STR policy; standard HO-3 homeowner policies typically exclude business use. Proof of insurance is submitted with the initial permit application and on each annual renewal.
Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Portland code enforcement directly for current fines, enforcement procedures, and hearing options.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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