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

The City of Reedley has not enacted STR-specific insurance requirements. The municipal code does not mandate minimum liability insurance, host protection insurance, or proof of coverage for properties used as short-term rentals. This is consistent with the absence of a dedicated STR ordinance in the Reedley code. While the city does not require insurance, operators should be aware that standard homeowner's insurance policies may not cover commercial lodging activities, and a claim arising from a guest injury could be denied. Major hosting platforms such as Airbnb and VRBO offer host protection insurance programs, but these are supplementary and may not cover all scenarios. California law does not mandate STR-specific insurance at the state level, though some cities with STR ordinances require $500,000 to $1,000,000 in general liability coverage. Operators in Reedley are advised to obtain a commercial general liability policy or a specialized home-sharing insurance endorsement. The business license requirement under RMC Chapter 3-2 does not include an insurance prerequisite.