Clearwater vs Dunedin
How do insurance requirements rules compare between Clearwater, FL and Dunedin, FL?
Dunedin has fewer restrictions than Clearwater.
Clearwater, FL
Pinellas County
Pinellas County requires Clearwater short-term rental hosts to maintain $1 million commercial liability insurance naming the county as additional insured before issuing the Certificate of Use.
View full Clearwater rules →Dunedin, FL
Pinellas County
Dunedin's vacation rental registration program requires owners to provide proof of general liability insurance covering the rental property, in addition to the standard Florida DBPR licensing and inspection requirements for transient lodging.
View full Dunedin rules →Key Facts Comparison
| Fact | Clearwater | Dunedin |
|---|---|---|
| - | - | |
| Code Section | - | Sec. 103-14.7.4 |
| Coverage Type | - | General liability |
| DBPR License | - | Also required |
| Homeowner Policy | - | Often insufficient |
| Renewal | - | Annual proof |
Highlighted rows indicate differences between cities.
Clearwater FAQ
Dunedin FAQ
Does Dunedin require liability insurance for vacation rentals?
Yes. Section 103-14.7.4 requires proof of general liability insurance as part of the registration application, in addition to the state DBPR vacation rental license.
Will my homeowner's policy cover short-term rentals?
Often not. Many standard homeowner policies exclude commercial or transient use, so hosts typically need a short-term rental rider or dedicated commercial policy.
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