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

The City of Turlock does not require short-term-rental operators to carry a specific type or amount of insurance, and no STR insurance mandate appears in the municipal code, because the City has not adopted an STR-specific ordinance. Where the Turlock code does require liability insurance, it is for specific City-permitted activities rather than home rentals; for example, the zoning code conditions an outdoor dining/seating permit on the permittee carrying insurance and indemnifying the City (TMC 9-5-322). No comparable insurance condition is attached to a Home Occupation Permit or to renting a residence to transients. As a result, an STR host in Turlock is not obligated by city ordinance to obtain commercial general liability coverage, host-protection insurance, or to name the City as additional insured. That said, carrying adequate liability and property coverage is strongly advisable as a business practice, and many hosting platforms provide or require their own coverage. Unincorporated Stanislaus County and California state law likewise do not impose a Turlock-specific STR insurance requirement. Operators should review their homeowner or landlord policy with their insurer, since standard residential policies often exclude commercial short-term rental activity, and confirm with the City whether any newer requirement applies before listing.