Yes. Section 46 requires every STR to carry fire, hazard, and liability insurance, either through separate STR liability coverage or a homeowner's policy rider covering STRs, with a minimum of $500,000 in liability coverage. Operating without it is unlawful.
The insurance requirement is a submittal item: an STR must have fire, hazard, and liability insurance, and it is unlawful to operate one without it. Coverage may be a standalone STR liability policy or a homeowner's insurance rider that specifically covers short-term rental use, and the liability limit must be at least $500,000 per the code (the application form states $500,000 per incident). The applicant attests to this coverage on the compliance affidavit. This is in addition to smoke/CO alarm, fire-extinguisher, defensible-space, and wastewater requirements that protect guests and neighbors.
Operating an STR without the required fire, hazard, and liability insurance is expressly unlawful and subject to the $500/$1,000 graduated fine schedule and license revocation.
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