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

The City of Redlands imposes no short-term-rental insurance requirement. Jurisdictions that license STRs commonly condition the permit on proof of commercial general-liability insurance (frequently $500,000 to $1,000,000 per occurrence) naming the city or confirming coverage for transient-rental use; Redlands has adopted no such requirement because it has no STR permit or ordinance. Third-party STR 'guides' that list 'proof of liability insurance' among Redlands application requirements are describing a permit process the City does not operate, and that claim is not supported by the Municipal Code. As a result, there is no City-mandated coverage amount, no certificate-of-insurance filing, and no requirement to name the City as an additional insured for a Redlands short-term rental. This is purely a regulatory gap, not an endorsement to operate uninsured: a host who rents to transient guests faces real liability exposure, and standard homeowner's or renter's policies frequently exclude or limit coverage for commercial/short-term-rental activity. As a practical matter, hosts should obtain a short-term-rental or commercial-liability policy (or rely carefully on any host-protection coverage offered by a booking platform, understanding its limits), and confirm with their insurer that transient rental is covered. Because the City does not regulate STR insurance, the obligation to be adequately insured rests entirely with the host and any applicable lender, HOA or CC&R requirements rather than with a City ordinance. If Redlands later adopts an STR ordinance, an insurance condition could be added.