Richmond STR operators must carry at least 500,000 dollars in liability insurance covering STR use, or use a platform (Airbnb AirCover, Vrbo Liability Insurance) providing equivalent coverage. Proof required with permit application.
Standard homeowners policies typically exclude commercial STR use. Operators should obtain an STR endorsement or dedicated policy. Permit renewal requires updated certificate of insurance. Contact Richmond at (804) 646-5700 for enforcement. This insurance requirements rule under Richmond's short term rentals ordinances applies to properties within Richmond city limits. For current statutory text, amendments, enforcement procedures, fines, appeal options, and any exemptions that may apply to your situation, contact Richmond code enforcement directly or consult the official Virginia municipal code library. Ordinances change periodically; always verify with local staff before relying on summary information.
Contact your local code enforcement office for specific penalty information.
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See how Richmond's insurance requirements rules stack up against other locations.
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