Unincorporated STR hosts must maintain liability insurance of at least $500,000 (often $1 million in WUI areas) naming Riverside County as additional insured for wildfire risk.
Ordinance No. 927 requires short-term rental operators in unincorporated Riverside County to carry commercial general liability insurance. The minimum coverage is typically $500,000 per occurrence, but STRs located in the State Responsibility Area (SRA) or Very High Fire Hazard Severity Zone - including Idyllwild, Pine Cove, Mountain Center, Aguanga, and Anza - are commonly required to carry $1,000,000 to address wildfire liability. Proof of insurance (a certificate naming Riverside County as additional insured or interested party) must be submitted with the annual permit application. Platform-provided host protection programs like Airbnb AirCover and Vrbo liability coverage may satisfy the minimum if the certificate is properly endorsed. Homeowners must also verify their underlying property insurance permits short-term rental use; many California carriers exclude or limit STR activity, especially in WUI zones impacted by Proposition 103 market constraints. Failure to maintain current insurance voids the STR permit.
Permit suspension or revocation; uninsured operation can draw administrative fines and civil liability.
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