Pinellas County requires Clearwater short-term rental hosts to maintain $1 million commercial liability insurance naming the county as additional insured before issuing the Certificate of Use.
Insurance for short-term rentals operating in Clearwater is governed primarily by the Pinellas County STR Certificate of Use program. Hosts must carry a commercial general liability policy with at least $1,000,000 in per-occurrence coverage and name Pinellas County as an additional insured on the certificate. Standard homeowner policies typically exclude transient occupancy, so an STR-specific or commercial policy is normally required. Florida Statutes Chapter 509 separately requires proof of liability insurance for licensed transient public lodging establishments. Proof of coverage is part of the annual Certificate of Use renewal package, and hosts must keep policies current to retain a valid Business Tax Receipt with the city.
Operating without compliant insurance can result in suspension of the Certificate of Use, fines, and personal exposure for guest injuries that homeowner policies refuse to cover.
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Side-by-side rule comparisons with other cities in Pinellas County.
See how other cities in Pinellas County handle insurance requirements.
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