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

Unlike Gresham, which conditions STR operation on a $1,000,000 liability minimum, Tigard has not enacted an STR-specific insurance requirement. The Tigard Municipal Code does not condition rental operation on a fixed liability minimum, and TMC Chapter 5.04 (Business Licenses) does not impose an insurance threshold for rental businesses generally. Industry guidance for Tigard hosts strongly recommends carrying a short-term rental liability policy or homeowner endorsement, because standard Oregon homeowner policies routinely exclude transient lodging activity. Most hosts pair an STR endorsement with platform-provided coverage: Airbnb's Host Liability Insurance and Vrbo's Liability Coverage program each provide up to $1,000,000 per occurrence in secondary coverage on covered platforms but are not a substitute for primary coverage. Tigard hosts must collect and remit Tigard's 2.5% Local Transient Lodging Tax under TMC Chapter 3.85, Washington County's 9% TLT, and Oregon's 1.5% state TLT under ORS 320.300 to 320.365, for a combined effective rate of about 13%. Airbnb collects the Oregon state portion automatically; hosts should verify whether their platform also remits the Tigard and Washington County portions and register directly for any portion not auto-collected.