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

Unlike some California jurisdictions that mandate a fixed amount of liability insurance (for example $500,000 or $1 million), Mono County's published transient rental standards (General Plan LUE Chapter 26) do not specify a minimum liability-insurance coverage amount that we could verify from the County's posted materials. What the standards do require is liability disclosure: the rental agreement must notify renters that they may be financially responsible and personally liable for any damage or loss that occurs as a result of their use of the unit, including use by any guest or invitee. The County's emphasis is on operational safety, a responsive 24-hour manager, occupancy and parking limits, and code/fire compliance verified through inspection, rather than a stated insurance minimum. The December 9, 2025 overhaul (MCC Chapter 5.65) consolidated and strengthened compliance standards (including third-party inspections), and a specific insurance requirement could be set in the adopted ordinance or in individual permit conditions. Because we could not confirm a specific insurance dollar figure from the County's published sources, operators should treat any insurance requirement as uncertain and confirm the current obligation directly with the Mono County Community Development Department before relying on a number. Standard practice is to carry adequate homeowner/landlord or commercial short-term-rental liability coverage regardless.