Insurance Requirements: Glen Burnie vs Severna Park

How much liability insurance do I need to run a Glen Burnie short-term rental?

Anne Arundel County requires at least $1,000,000 in commercial liability coverage for every registered short-term residential rental, with proof submitted at registration.

Does my homeowners policy or Airbnb host protection cover the requirement?

Generally no on its own. Standard homeowners policies exclude transient commercial use, and platform host protection is supplemental. The county requires a $1,000,000 commercial liability certificate or declaration page in the host's name.

What proof of insurance does Anne Arundel County accept?

A certificate of insurance or a policy declaration page showing at least $1,000,000 in commercial liability coverage for the registered dwelling unit. Both must be current at the time of registration and renewal.

Does Anne Arundel County require Severna Park short-term rental hosts to carry liability insurance?

Anne Arundel County Code Title 13A and the County's published short-term rental registration form do not set a specific dollar liability-insurance minimum for hosts. The County's emphasis is on registration, the two-property cap, the 8% use-or-occupancy tax, smoke-alarm compliance, and listing-platform transparency.

Does Maryland state law require $1 million in STR liability coverage statewide?

There is no single Maryland statute imposing a $1,000,000 STR liability minimum statewide. Some Maryland jurisdictions (including Prince George's County, Gaithersburg, and Ocean City) require $1 million in commercial liability coverage under their local STR licenses, but those local rules do not automatically apply in Anne Arundel County or Severna Park.

Is Airbnb's AirCover enough for a Severna Park host?

Anne Arundel County 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 in writing with your insurer before listing.