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🏠 Short-Term Rentals/Insurance Requirements

Insurance Requirements: Clearwater vs St. Petersburg

How do insurance requirements rules compare between Clearwater, FL and St. Petersburg, FL?

St. Petersburg has fewer restrictions than Clearwater.

Clearwater, FL

Pinellas County

Heavy Restrictions

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 β†’

St. Petersburg, FL

Pinellas County

Few Restrictions

St. Petersburg does not impose a city-specific insurance mandate on short-term rental operators, but state law and prudent practice strongly encourage commercial liability coverage tailored to vacation rental use.

View full St. Petersburg rules β†’

Key Facts Comparison

FactClearwaterSt. Petersburg
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Highlighted rows indicate differences between cities.

Clearwater FAQ

St. Petersburg FAQ

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