Redding Municipal Code 18.43.180 does not mandate a specific minimum liability insurance policy for short-term rental operators, and California has no statewide STR insurance minimum. Hosts rely on platform-provided coverage (Airbnb AirCover up to $1,000,000 liability; VRBO Liability Insurance up to $1,000,000) plus their own homeowner's or commercial dwelling policy. Standard California HO-3 homeowner's policies exclude business pursuits.
Neither Redding's STR ordinance (RMC 18.43.180) nor any Shasta County ordinance imposes an explicit insurance minimum on STR operators. California Civil Code §1947.7 and Government Code §65852.150 (the ADU statutes) do not impose a generic STR insurance requirement either. As a result, the insurance posture for a Redding host is governed by contract: the host's underlying homeowner's policy, the rental platform's protection program, and any HOA/CC&R requirement. The principal risk is that a standard California HO-3 homeowner's policy contains a 'business pursuits' exclusion that voids coverage for liability and property losses arising from any rental for compensation, including a single Airbnb booking. Hosts have three insurance routes that work in Redding: (1) endorse a 'home-sharing' or short-term-rental rider onto the existing HO-3 (offered by State Farm, Allstate, Farmers in California); (2) move to a Landlord Dwelling DP-3 policy with a Hosted Lodging endorsement; or (3) buy a dedicated STR policy from a specialty carrier (Proper Insurance, Slice, CBIZ, Steadily). Platform protection programs are secondary, not primary: Airbnb AirCover provides up to $1,000,000 host liability and up to $3,000,000 in host damage coverage, but only for losses caused by the booked guest and only when filed through Airbnb; VRBO Liability Insurance is similar. Redding's Site Development Permit application does not require proof of insurance, but the Risk Management department generally recommends a $1M general-liability minimum and HOA boards in master-planned Redding neighborhoods (Stanford Hills, Land Park, Country Heights) often impose insurance requirements via private CC&R.
Operating without insurance is not a code violation in Redding, but a guest injury without coverage exposes the host's personal assets. California Insurance Code §1758.99 and the McCarran-Ferguson framework do not protect a host whose carrier denies a claim based on a clear 'business pursuits' exclusion. Misrepresenting insurance status to a platform may breach the platform terms of service and void platform coverage; misrepresenting it to a guest can support consumer-protection claims under Cal. Bus. & Prof. Code §17200.
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