Largo short-term rental owners must maintain liability coverage that satisfies Florida licensing and the Pinellas County Certificate of Use, which mandates $1 million in commercial general liability naming the county as additional insured.
Insurance requirements for Largo short-term rentals come from a combination of state and Pinellas County rules layered on top of the city's Ordinance 2019-28. Florida Statutes Chapter 509 requires licensed transient public lodging establishments to demonstrate liability insurance. Pinellas County's STR Certificate of Use program goes further by requiring at least $1,000,000 in commercial general liability per occurrence with Pinellas County named as additional insured. Standard homeowner policies typically exclude transient occupancy, so most Largo hosts add an STR endorsement or move to a commercial landlord policy. Proof of coverage is part of the annual Certificate of Use renewal package, and lapses can suspend the right to operate alongside the Largo Business Tax Receipt.
Operating without compliant coverage can result in suspension of the Pinellas Certificate of Use, code citations, and personal financial exposure for guest injuries that homeowner policies refuse to cover.
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