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

Tehama County's online short-term rental and transient occupancy tax materials focus on the STR Permit requirement and TOT collection; they do not publish a specific insurance requirement - such as a minimum liability coverage amount or a requirement to name the County as an additional insured - for vacation rentals. We therefore report no verified County insurance mandate rather than fabricating a figure. This does not mean insurance is unimportant: California short-term-rental hosts typically need homeowner or specialized short-term-rental liability coverage because standard homeowner policies often exclude commercial rental activity, and booking platforms such as Airbnb and Vrbo offer their own host protection programs that have coverage limits and exclusions. Because the County has not published an explicit coverage minimum we could verify, operators should (1) confirm whether the STR Permit attaches any insurance condition by checking with the Tehama County Planning Department or Treasurer-Tax Collector, and (2) independently obtain liability coverage appropriate to a rural rental, which may involve wildfire and rural-hazard considerations common to the Lassen-gateway and foothill areas of the unincorporated county. Lenders, HOAs or CC&R communities may also impose their own insurance requirements separate from County code. This entry honestly reflects the absence of a published County insurance standard while flagging the practical need for coverage.