Gaithersburg vs Rockville
How do insurance requirements rules compare between Gaithersburg, MD and Rockville, MD?
Rockville has fewer restrictions than Gaithersburg.
Gaithersburg, MD
Montgomery County
Montgomery County requires STR hosts to maintain adequate liability insurance or platform-provided coverage as a condition of the STR license. Hosts must self-certify insurance compliance. Standard homeowner policies often exclude short-term rental activity, requiring supplemental coverage.
View full Gaithersburg rules →Rockville, MD
Montgomery County
MoCo requires STR hosts to maintain liability insurance and attest to coverage on the license application. Standard homeowner policies may need a rental endorsement.
View full Rockville rules →Key Facts Comparison
| Fact | Gaithersburg | Rockville |
|---|---|---|
| Requirement | Self-certified on license application | Adequate liability insurance |
| Coverage Options | Homeowner, STR policy, or platform | - |
| Recommended | At least $1M liability | $500K+ liability |
| Standard Policies | Often exclude STR activity | - |
| Application | - | Insurance attestation |
| Platform Coverage | - | Supplemental only |
Highlighted rows indicate differences between cities.
Gaithersburg FAQ
Do I need special insurance for my Gaithersburg Airbnb?
Likely yes. Standard homeowner policies often exclude short-term rental activity. You must self-certify insurance coverage on your county STR license application. Contact your carrier or purchase supplemental STR insurance.
Does Airbnb insurance cover me?
Airbnb provides Host Protection Insurance and AirCover, but these are secondary to your own policy and have exclusions. You should carry your own primary liability coverage.
Rockville FAQ
Do I need special insurance for my Rockville short-term rental?
Yes. Standard homeowner policies usually exclude short-term rental activity. Contact your insurance carrier about adding a short-term rental endorsement or obtaining commercial liability coverage.
Does Airbnb insurance cover me?
Airbnb Host Protection Insurance and AirCover provide supplemental coverage, but they do not replace a primary liability policy. Montgomery County expects hosts to maintain their own adequate insurance.
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