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.
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Philadelphia, PA
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