Several Bucks County municipalities require STR operators to carry $500,000 to $1,000,000 in commercial liability insurance. Standard homeowner policies generally exclude commercial rental activity.
New Hope Borough, Solebury Township, and other Bucks municipalities that license STRs require proof of liability insurance at application and renewal, typically $500,000 per occurrence minimum with $1,000,000 aggregate common. Most standard homeowner policies exclude commercial or business activity under the business pursuits exclusion, meaning a dedicated home-sharing rider or commercial landlord policy is usually needed. Airbnb AirCover and VRBO Liability Insurance provide secondary coverage but are not accepted in lieu of primary liability in most townships. Certificates of insurance must name the municipality as additional insured in some jurisdictions. Flood insurance is separately required for properties in SFHAs near the Delaware River, Neshaminy Creek, and other floodplains.
Operating without required insurance: permit denied or revoked until certificate produced. Gap in coverage: fines $250 to $1,000 and possible suspension. Misrepresentation: permit revocation and bar on reapplication for 12 to 24 months.
Croydon, PA
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Bucks County, PA
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Bucks County, PA
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Bucks County, PA
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Bucks County, PA
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Bucks County, PA
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