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

Tualatin's transient lodging tax ordinance, TMC Chapter 9-9 enacted by Ordinance 1408-18 in February 2018, conditions short-term rental operation on registration with the City as a transient lodging tax collector under TMC 9-9-200 and timely remittance of the 2.5% city tax under TMC 9-9-230, but does not impose a minimum general liability insurance coverage amount on hosts. The only city-imposed financial security tied to STR operation is TMC 9-9-360 (Security for Collection of Tax), which authorizes the City Manager to require a deposit of cash, bond, or other acceptable security capped at five times the operator's estimated average monthly tax liability or $5,000, whichever is less, to ensure tax collection. Tualatin has not adopted a separate STR licensing chapter analogous to Portland's Type A/B accessory short-term rental permit (which requires liability coverage) or Bend's vacation rental program. Most Tualatin hosts pair Airbnb's Host Liability Insurance or Vrbo's Liability Insurance, which provide up to $1,000,000 per occurrence on covered platform bookings, with a dedicated short-term rental endorsement on a homeowner or landlord policy because standard homeowner forms typically exclude commercial or transient occupancy. Operators in homeowner-association communities should also confirm any HOA-imposed coverage requirements before listing.