Loudoun County, VA Short-Term Rentals: Insurance Requirements (2026)

Loudoun County adopted its STRR zoning framework in April 2023 (ZOAM-2021-0006) and pairs it with an annual STRR registration administered through the Department of Building and Development. The published STRR registration requirements on loudoun.gov/4066 list a zoning permit ($165 application fee), annual registration by July 1 at no cost, payment of the 8% Transient Occupancy Tax, Business Personal Property Tax filings due March 1, and a Business License Tax for operators with more than seven overnight rooms — but they do not list a liability-insurance minimum. The state enabling statute, Virginia Code §15.2-983, allows localities to create an STR registry and impose registration penalties but does not compel them to require liability insurance. By contrast, several other Virginia jurisdictions (e.g., Arlington and Virginia Beach) have adopted ordinance-level insurance minimums of $500,000 to $1,000,000; Loudoun County has not. Most platforms (Airbnb's Host Liability program and Vrbo's Liability Coverage) provide up to $1,000,000 per-occurrence secondary coverage, but these programs are not a substitute for primary commercial-rental coverage. Hosts in Loudoun County are strongly advised to add a short-term rental endorsement or buy a dedicated landlord/STR policy, since standard homeowner policies typically exclude business use; HOAs in master-planned communities (Brambleton, Ashburn Farm, Broadlands) may also impose their own STR insurance requirements through the declaration.