Henrico's short-term rental ordinance does not mandate a specific liability-insurance amount. It does require working smoke detectors, carbon-monoxide detectors, and fire extinguishers as required by the building code, unobstructed emergency egress, and a safety inspection tied to registration. Hosts should still verify private coverage.
Section 24-4431(J) requires the property owner of any short-term rental to provide and maintain in good working order every smoke detector, carbon-monoxide detector, and fire extinguisher required to be in the rental by law, and prohibits obstructing any emergency egress required by law. The $200 annual registration fee includes the cost of a safety inspection, reinforcing these life-safety standards. The County's adopted STR rules and registry (County Code Sec. 20-280 and Zoning Sec. 24-4431) do not set a numeric liability-insurance requirement or name a required coverage amount for operators. Hosts are nonetheless well advised to confirm that their homeowner's policy or a short-term-rental endorsement covers commercial guest use, since standard policies often exclude it, and platform-provided host protections may be
Missing or non-working smoke detectors, CO detectors, or fire extinguishers, or obstructed egress, violate Section 24-4431 and the building code and can fail the safety inspection required for registration. Enforcement runs through zoning and the registry; violations can trigger the
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