Insurance Requirements: Pasadena vs Severna Park
How do insurance requirements rules compare between Pasadena, MD and Severna Park, MD?
Severna Park has fewer restrictions than Pasadena.
Pasadena, MD
Anne Arundel County
Anne Arundel County requires STR hosts to carry at least $500,000 in liability coverage and list the county as an additional insured or provide equivalent platform-provided coverage. Proof must accompany the license application and each renewal.
View full Pasadena rules →Severna Park, MD
Anne Arundel County
Anne Arundel County Code Title 13A, which governs short-term rentals in unincorporated Severna Park, does not impose a specific dollar minimum of liability insurance on hosts at the county level. Hosts are still strongly advised to confirm coverage through their hosting platform and a private short-term rental or commercial-liability policy because standard homeowner's HO-3 policies typically exclude transient rental activity.
View full Severna Park rules →Key Facts Comparison
| Fact | Pasadena | Severna Park |
|---|---|---|
| Minimum | $500,000 per occurrence | - |
| Platform Coverage | AirCover/Vrbo $1M qualifies | - |
| HO Policy | Usually excludes rental use | - |
| Proof | At license + 2-yr renewal | - |
| Waterfront | Disclose pier/boat use | - |
| County Insurance Minimum | - | Not specified in Title 13A |
| State Insurance Minimum | - | Not in MD Tax-Gen §11-101 |
| Registration Fee | - | $100 (2-year term) |
| Properties Per Host | - | Maximum 2 |
| Other MD Jurisdictions | - | $1M (Prince George’s, Gaithersburg, Ocean City) |
| Standard HO-3 | - | Typically excludes STR activity |
Highlighted rows indicate differences between cities.
Pasadena FAQ
Who enforces insurance requirements rules in Anne Arundel County?
Anne Arundel County's code enforcement division is responsible for short term-rentals ordinances. You can report violations or request information through the Anne Arundel County government website or by calling the main municipal line.
What are typical penalties for violating insurance requirements rules?
Most Anne Arundel County short term-rentals violations start with a written warning followed by escalating civil fines for repeat offenses. Specific dollar amounts and any criminal-misdemeanor exposure depend on the section of code; consult Anne Arundel County's municipal code or staff for the current penalty schedule.
Severna Park FAQ
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.
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