Anne Arundel County requires STR hosts to carry at least $500,000 in liability coverage and list the county as an additional insured or provide equivalent platform-provided coverage. Proof must accompany the license application and each renewal.
Under Article 11 (Bill 66-21) and Inspections & Permits administrative rules, each short-term rental license application must be accompanied by a certificate of insurance showing a minimum of $500,000 per-occurrence general liability coverage applicable to the rental activity. Hosts using Airbnb's AirCover or Vrbo's Liability Insurance (both currently $1 million) may satisfy the minimum if the platform's coverage covers the entire licensed period — combined platform + homeowner coverage is common because many Maryland homeowner policies (through Erie, Travelers, USAA, Nationwide) exclude commercial rental activity without a specific endorsement. Waterfront hosts on the Severn, Magothy, South, and West Rivers should disclose dock, pier, and watercraft use to their carrier; standard HO policies typically exclude guest watercraft operation. Short-term rental operations near Fort Meade often require stand-alone commercial liability because transient military tenancy triggers business-use exclusions. Proof of insurance is required at initial licensing and each two-year renewal.
Operating without required insurance: license denial or immediate suspension. Failure to maintain insurance during license term: $500 civil penalty and 30-day cure; non-cure results in revocation. Fraudulent certificate: referral for insurance fraud under MD Insurance §27-407.
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Anne Arundel County, MD
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Anne Arundel County, MD
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Anne Arundel County, MD
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Anne Arundel County, MD
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Anne Arundel County, MD
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Anne Arundel County, MD
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