Insurance Requirements: Annapolis vs Pasadena
How do insurance requirements rules compare between Annapolis, MD and Pasadena, MD?
Annapolis and Pasadena have similar restriction levels.
Annapolis, MD
Anne Arundel County
Annapolis Code Chapter 17.44 does not set an explicit liability insurance dollar minimum for short-term rentals at the city level; the city's licensing focus is on a Maryland Sales & Use Tax license, a local property manager (if the owner is non-resident), occupancy and life-safety standards, and remittance of the Anne Arundel County use-or-occupancy tax. Hosts should still verify coverage through their hosting platform and a private STR or commercial-liability policy.
View full Annapolis rules →Pasadena, MD
Anne Arundel County
Anne Arundel County requires STR hosts to carry at least $500,000 in liability coverage and list the county as an additional insured or provide equivalent platform-provided coverage. Proof must accompany the license application and each renewal.
View full Pasadena rules →Key Facts Comparison
| Fact | Annapolis | Pasadena |
|---|---|---|
| City Insurance Minimum | Not specified in Chapter 17.44 | - |
| State Tax Authority | MD Tax-Gen §11-101 et seq. | - |
| Required at Application | MD Sales & Use Tax license | - |
| Local Manager | Required if owner non-resident | - |
| Other MD Jurisdictions | $1M typical (e.g., Prince George's, Gaithersburg) | - |
| Density Rule | 10% blockface cap (Ord. O-17-25) | - |
| Minimum | - | $500,000 per occurrence |
| Platform Coverage | - | AirCover/Vrbo $1M qualifies |
| HO Policy | - | Usually excludes rental use |
| Proof | - | At license + 2-yr renewal |
| Waterfront | - | Disclose pier/boat use |
Highlighted rows indicate differences between cities.
Annapolis FAQ
Does Annapolis require short-term rental hosts to carry liability insurance?
Annapolis Code Chapter 17.44 and the city's published short-term rental application checklist do not set a specific dollar liability-insurance minimum. The city's emphasis is on the rental license, Maryland Sales & Use Tax license, a local property manager for non-resident owners, occupancy limits, and smoke-alarm compliance.
Does Maryland state law require $1 million in STR liability coverage statewide?
There is no single Maryland statute that imposes a $1 million STR liability minimum statewide. Some Maryland jurisdictions (such as Prince George's County and Gaithersburg) require $1 million in commercial liability coverage as part of their local STR licenses, but those rules apply within those jurisdictions, not automatically in Annapolis.
Is Airbnb's AirCover enough for an Annapolis host?
Annapolis does not certify any platform's protection program. Standard homeowner's HO-3 policies typically exclude short-term rental activity, so most hosts buy a dedicated short-term rental or commercial-liability policy in addition to platform coverage. Confirm exclusions with your insurer.
Pasadena FAQ
Who enforces insurance requirements rules in Anne Arundel County?
Anne Arundel County's code enforcement division is responsible for short term-rentals ordinances. You can report violations or request information through the Anne Arundel County government website or by calling the main municipal line.
What are typical penalties for violating insurance requirements rules?
Most Anne Arundel County short term-rentals violations start with a written warning followed by escalating civil fines for repeat offenses. Specific dollar amounts and any criminal-misdemeanor exposure depend on the section of code; consult Anne Arundel County's municipal code or staff for the current penalty schedule.
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