Henrico County, VA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Liability insurance mandate
- None set by the ordinance
- Smoke/CO detectors
- Required and maintained (Sec. 24-4431(J))
- Fire extinguisher
- Required per building code
- Emergency egress
- Must not be obstructed
- Safety inspection
- Included in $200 registration
Summary
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.
Provision of smoke detectors, etc. The property owner of any property offered for short-term rental must provide and maintain in good working order every smoke detector, carbon monoxide detector, and fire extinguisher required to be in the short-term rental by law. No property owner may obstruct any emergency egress required by law.
Full Breakdown
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.
Violations & Fines
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.
Frequently Asked Questions
Does Henrico require short-term rental insurance?
What safety equipment must a Henrico short-term rental have?
Sources & Official References
Other rules in Henrico County
Compare Henrico County to another location·View the Virginia short-term rentals overview
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