Insurance Requirements: Dade City vs New Port Richey
How do insurance requirements rules compare between Dade City, FL and New Port Richey, FL?
Dade City and New Port Richey have similar restriction levels.
Dade City, FL
Pasco County
Florida has no statewide statutory insurance mandate for short-term or vacation rentals, and Dade City's Code does not impose a city-level STR liability insurance requirement. Hosts typically carry homeowners or landlord coverage; lender-required NFIP flood insurance applies to parcels within FEMA Special Flood Hazard Areas along the Withlacoochee River corridor.
View full Dade City rules →New Port Richey, FL
Pasco County
Florida has no statewide statutory insurance mandate for short-term or vacation rentals, and New Port Richey's Code (Ch. 6, Art. V; Ch. 7 Zoning) does not impose a specific STR liability insurance requirement. Because NPR does not permit STRs in its residential districts, no separate STR insurance program exists at the city level.
View full New Port Richey rules →Key Facts Comparison
| Fact | Dade City | New Port Richey |
|---|---|---|
| State Mandate | None for STR insurance | None for STR insurance |
| City STR Insurance | Not required | Not required (STRs not permitted) |
| DBPR License | Required (FS 509.241) | Required statewide (FS 509.241) |
| Flood Insurance | Lender-required in FEMA SFHA | - |
| Verify | Dade City Planning 352-523-5050 | NPR Finance 727-853-1037 |
Highlighted rows indicate differences between cities.
Dade City FAQ
Does Dade City require liability insurance for my vacation rental?
No. Neither Florida statute nor Dade City's code sets a minimum STR liability insurance amount. Florida Statute 509.032(7)(b) also preempts the city from adopting a new STR-specific insurance rule.
Will my standard homeowners policy cover Airbnb stays?
Often it will not. Most homeowners policies exclude transient commercial use. Confirm with your insurer and consider a landlord or short-term-rental endorsement; platform host-protection programs are secondary coverage only.
New Port Richey FAQ
Does Florida require STR liability insurance?
No. Chapter 509 of the Florida Statutes does not set a minimum liability-insurance amount for vacation rentals. DBPR licensing under FS 509.241 is required, but coverage is not statutorily mandated.
Will Airbnb's AirCover protect me in New Port Richey?
Platform host-protection programs do not legalize an unpermitted use. Because NPR does not permit short-term rentals in residential districts, AirCover does not substitute for compliance with local zoning.
Compare other topics
See how Dade City and New Port Richey compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool