Maryland sets no statewide short-term rental insurance mandate. In Harford County, Bel Air and Havre de Grace require proof of liability coverage as a condition of the rental license.
No Maryland statute requires short-term rental hosts to carry a set amount of liability insurance, unlike some states. In Harford County the requirement is local: Bel Air and Havre de Grace ask for proof of liability coverage before issuing or renewing a short-term rental license. Standard homeowner policies exclude commercial rental activity, so hosts typically add a short-term rental endorsement or a dedicated policy. Airbnb and Vrbo provide host liability coverage on their platforms, which many hosts use to satisfy the town's proof requirement. Direct-booking hosts must carry their own policy.
A host who cannot show required coverage can be denied or lose the town's short-term rental license, and an uninsured claim falls entirely on the owner.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Harford County, MD
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Harford County, MD
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Harford County, MD
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Harford County, MD
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Harford County, MD
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Harford County, MD
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See how Harford County's insurance requirements rules stack up against other locations.
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