Florida has no statewide statutory insurance mandate for short-term or vacation rentals, and New Port Richey's Code (Ch. 6, Art. V; Ch. 7 Zoning) does not impose a specific STR liability insurance requirement. Because NPR does not permit STRs in its residential districts, no separate STR insurance program exists at the city level.
Florida Statute 509.032 and Chapter 509 (Public Lodging Establishments) require DBPR licensing for vacation rentals under FS 509.241 but do not set a minimum liability-insurance dollar amount. New Port Richey's local code likewise contains no STR-specific liability or property-insurance threshold; standard homeowners or landlord policies typically apply to long-term rentals operating under Sec. 6-129 permits. Hosts who list a property in NPR (where STRs are not permitted) cannot rely on platform host-protection programs (Airbnb AirCover, Vrbo Liability) as a substitute for legality. For coastal flood-prone parcels, NFIP flood insurance may be required by the lender. Confirm any insurance question with the New Port Richey Finance / Utilities Billing office at 727-853-1037 and the Florida DBPR Division of Hotels & Restaurants.
There is no NPR fine for lack of STR insurance because STRs are not permitted; operating without the required DBPR license violates FS 509.241. Failure to maintain a Residential Rental Permit under Sec. 6-129 can result in code enforcement citations.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
New Port Richey, FL
New Port Richey regulates construction noise under the same Chapter 14 decibel framework. Construction activity must comply with the 55 dBA residential dayti...
New Port Richey, FL
New Port Richey enforces noise limits under Chapter 14, Article II (Ordinance 2016-2091, amended by 2017-2108). Residential areas are limited to 55 dBA from ...
New Port Richey, FL
Barking dogs in New Port Richey are regulated under both Chapter 14 (noise) and Chapter 4 (animal control). Persistent barking that exceeds residential decib...
New Port Richey, FL
New Port Richey requires vehicle parking on improved surfaces (driveways, garages). Parking on grass or unpaved surfaces in residential areas is subject to c...
New Port Richey, FL
New Port Richey regulates RV and boat parking on residential properties through its Land Development Code (Chapter 8, Residential Property Standards). Recrea...
New Port Richey, FL
New Port Richey regulates street parking under Chapter 23 (Traffic and Motor Vehicles). Downtown parking near Main Street and the Hacienda Hotel area has tim...
Side-by-side rule comparisons with other cities in Pasco County.
See how other cities in Pasco County handle insurance requirements.
See how New Port Richey's insurance requirements rules stack up against other locations.
Quick Compare
Help us keep this page accurate. If you notice an error or outdated information, let us know.