Visalia requires every short-term rental operator to submit proof of insurance covering the STR use as part of the permit application under MC 17.32.166. The city does not publish a fixed dollar minimum, so operators should confirm acceptable coverage with the Community Development Department before applying.
Visalia Municipal Code Section 17.32.166 and the city's Short-Term Rental Permit Application require operators to submit proof of insurance covering short-term rental use of the property. Standard homeowner's policies typically exclude commercial or transient lodging activity, so operators generally need a short-term rental endorsement, a host-protection policy, or a separate commercial liability policy. Platform-provided host protection (such as Airbnb's AirCover or Vrbo's liability program) is sometimes accepted as supplemental coverage but does not necessarily replace a primary policy that names the city or covers premises liability. Visalia's STR ordinance, adopted October 16, 2023, treats insurance as a permit prerequisite alongside the business license, Transient Occupancy Tax certificate, and the STR permit itself. Because the city does not publish a specific dollar minimum in the codified ordinance, applicants should contact the Community Development Department at 559-713-4359 to confirm acceptable coverage limits and policy form before submitting.
Operating an STR without current proof of insurance on file is a permit-condition violation under MC 17.32.166, subjecting the operator to administrative citation, suspension, or revocation of the STR permit.
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