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

Based on the City of Upland's published Short-Term Rental Administrative Use Permit application (revised 05/25) and the City's STR webpage, no specific minimum liability insurance amount (for example a $1,000,000 commercial liability policy) is stated as a condition of the permit. What the application does require is a broad indemnification: the permittee shall, to the fullest extent permitted by law, indemnify, defend, and hold the City, its elected officials, officers, contractors serving as City officers, agents, and employees free and harmless from any and all claims, liabilities, and losses — including property damage, personal injury, or death — arising out of or related to the approval or exercise of the STR permit, and shall pay all related legal fees and costs. This shifts liability risk to the host. Because the published materials do not set an insurance floor, the absence of a stated minimum should be treated as uncertain rather than as confirmation that no coverage is expected; hosts should confirm directly with the Planning Division at (909) 931-4130. Many hosting platforms and HOAs separately require liability coverage, and if the property is governed by an HOA, written HOA approval of the STR use is required. Hosts should also confirm building and fire code compliance, which the permit requires.