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

Section D4-27.C.2 lists what the annual short-term rental registration application must contain, and item i requires 'proof of insurance that demonstrate that the property is insured for the use of a short-term rental.' The application packet bundles that proof alongside the physical address and rental type, the owner's and operator's contact information, a 24-hour local contact able to respond onsite within 30 minutes, the bedroom count used to set the occupancy cap, and an acknowledgment that past construction on the property met applicable building codes.

Immediately after the insurance requirement, Subsection C.2.j requires the applicant to acknowledge a duty 'to hold harmless, indemnify and defend the City and staff against claims and litigations arising from or related to the issuance of the short-term rental registration,' so the insurance proof and the indemnification promise work together to shift liability for guest-related incidents away from the City. Registration cannot be completed, per Subsection F, until the registration fee is paid and the packet, including this proof of insurance, is complete; an incomplete application is not processed and the applicant may not legally operate the rental in the meantime.