Philadelphia does not mandate specific insurance coverage for short-term rental hosts through a local ordinance. Hosts are subject to the general rental license requirements of Phila. Code §9-3902 and standard landlord liability principles. Platforms like Airbnb and Vrbo provide their own host protection insurance programs.
Philadelphia may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is $500,000 to $1,000,000. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.
Operating without required insurance may result in permit denial or revocation. Hosts may face personal liability for uninsured claims.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Philadelphia, PA
Philadelphia caps amplified music and other sound by decibels above background at the property boundary: 3 dB near hospitals/schools/houses of worship, 5 dB ...
Philadelphia, PA
On-street parking in Philadelphia is governed by Title 12 of The Philadelphia Code and enforced by the Philadelphia Parking Authority (PPA), with restriction...
Philadelphia, PA
No zoning permit is needed for a fence at or below the Zoning Code limits; exceeding them requires a permit and a ZBA appeal. A building permit is required f...
Philadelphia, PA
Philadelphia requires all dogs in public to be on a leash no longer than six feet, held by a person able to control the animal, under Phila. Code §10-104. Of...
Philadelphia, PA
Philadelphia generally prohibits keeping chickens, poultry, and livestock; farm animals (other than pigs) are allowed only on parcels of three or more acres,...
Philadelphia, PA
No Philadelphia-specific ordinance directly imposes wildland-style defensible-space or brush-clearance requirements; the dense urban setting means there is n...
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