New Castle County STR permit applicants must demonstrate liability insurance of at least $500,000 per occurrence covering rental activity. Platform-provided coverage (Airbnb AirCover) may satisfy if policy terms are met.
New Castle County STR registration under UDC 40.03.510 requires proof of liability insurance with minimum coverage of $500,000 per occurrence for guest injury and property damage arising from rental activity. Wilmington's STR rules require comparable coverage. Standard homeowner policies (HO-3) typically exclude commercial rental use; hosts generally need a short-term rental endorsement, landlord policy, or commercial liability rider. Airbnb's $1M Host Liability Insurance satisfies the requirement for listings booked through Airbnb; Vrbo's Liability Insurance similarly qualifies. Proof of insurance must be submitted at initial registration and at annual renewal. Insurance lapses must be reported within 10 days.
Operating without current insurance: permit suspension until proof provided; civil penalty up to $500. False certification of insurance: permit revocation and 24-month reapplication ban. Uninsured claims: host bears personal liability.
New Castle County, DE
New Castle County permits gas and electric leaf blower use with no statewide or county ban. Operation hours align with the county noise ordinance (NCC Code C...
New Castle County, DE
Amplified sound in unincorporated New Castle County is regulated under NCC Code Chapter 22 (noise) and the county's special event permit process. Sound must ...
New Castle County, DE
Wilmington restricts overnight on-street parking 2 AM to 6 AM in posted zones and requires residential permits in many neighborhoods. Unincorporated New Cast...
New Castle County, DE
New Castle County requires electrical permits for Level 2 EV chargers. Delaware law (26 Del. C. §1018) preempts HOA bans on EV chargers. Public stations must...
New Castle County, DE
New Castle County requires a building permit for retaining walls over 4 feet measured from bottom of footing to top of wall. Walls supporting surcharge loads...
New Castle County, DE
New Castle County regulates fence materials through the Unified Development Code (UDC), primarily Article 40 (zoning). Wood, vinyl, composite, wrought iron, ...
See how New Castle County's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.