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

Unincorporated Colusa County does not require a specific minimum liability insurance policy for short-term rentals in its published Zoning Code or in County Code Chapter 18A. The operating standards for recreational lodging facilities focus on health and safety rather than insurance: Section 44-4.100.010(A) requires the applicant to demonstrate to the Environmental Health Division that facilities meet all applicable health standards, including kitchen facility, water, and sewage disposal permit requirements, and Section 44-4.100.010(D) ties guestroom counts to building-code treatment. For club uses, Section 44-4.100.030(F) requires lots on wells or septic to demonstrate adequate water and wastewater capacity through percolation tests and Environmental Health requirements. None of these provisions, nor the TOT registration in Chapter 18A, mention a liability-insurance requirement. Because Colusa County reviews larger or non-standard lodging uses through a discretionary Use Permit, the County could in principle attach an insurance-related condition to a particular approval, but it is not a baseline code requirement. As a practical matter, hosts typically need host or commercial liability coverage to satisfy their mortgage lender, homeowners-association rules, or a hosting platform, and standard homeowner policies often exclude commercial lodging activity. Operators should confirm coverage with their own insurer and check whether any Use Permit for their property carries insurance conditions.