Salem, OR Short-Term Rentals: Insurance Requirements (2026)

Salem regulates two tiers of short-term rentals under SRC chapter 30: accessory short-term rentals, where the operator lives on site, and short-term rentals, where they don't. Both require a City license before an owner may advertise or rent, and both carry an identical insurance mandate. 1005(f) states that the operator of an accessory short-term rental shall maintain liability insurance which covers the use of the property as an accessory short-term rental, and requires the coverage to be in effect for the entire term the license is valid.

1105(e) imposes the same duty on standard short-term rental operators in identical terms. The insurance duty is one of several standards tied to the license. 1105(g) require the property to conform to the City's Housing Code under SRC chapter 59. Operators must also keep a guest registry available for inspection by the Director on request, recording each booking's dates, whether it was hosted or non-hosted, and the number of guests, and must name a local representative who lives on site or is a licensed property manager with a physical office inside the Salem/Keizer Urban Growth Boundary. 1110.