Philadelphia STR operators must carry minimum 500000 dollars liability insurance per Phila. Code §9-3804. Airbnb and Vrbo host protection programs may satisfy this requirement if equivalent coverage is documented.
Visitor Accommodations law requires every licensed STR host to maintain liability insurance of at least 500000 dollars covering guest injury and property damage. Proof of coverage must be submitted with license application and renewed annually. Airbnb AirCover (1M dollars) and Vrbo Liability Insurance (1M dollars) typically satisfy the requirement when the unit is booked through those platforms. Direct bookings require standalone STR liability policy. Standard homeowners insurance generally excludes commercial lodging use.
No insurance on file: license denial or revocation. Operating without coverage: 1000 dollars plus cease order.
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