MoCo requires STR hosts to maintain liability insurance and attest to coverage on the license application. Standard homeowner policies may need a rental endorsement.
Montgomery County requires short-term rental license applicants to attest to maintaining adequate insurance coverage for their rental activity. Standard homeowner insurance policies typically exclude commercial lodging activities, which means hosting short-term rental guests without proper coverage could leave the owner exposed to liability. Hosts should contact their insurance carrier to add a short-term rental endorsement or obtain a separate commercial liability policy. Platforms like Airbnb offer Host Protection Insurance (up to $1 million liability) and AirCover, but these are supplemental and do not replace the need for a primary insurance policy. VRBO offers similar liability programs. The Montgomery County DHCA may request proof of insurance as part of the licensing process or during an inspection. Maryland law does not mandate a specific minimum coverage amount for short-term rentals, but the county advises hosts to carry at least $500,000 in liability coverage. Failure to maintain insurance could be grounds for license suspension.
Operating without adequate insurance can result in license suspension or denial of renewal. A Class A civil violation for non-compliance with licensing conditions carries a fine of up to $1,000.
Rockville, MD
Construction noise in Rockville is permitted 7 AM to 7 PM weekdays and 9 AM to 5 PM weekends under MoCo Code Section 31B-6. Nighttime deliveries are prohibit...
Rockville, MD
Industrial noise in Rockville is regulated under MoCo Code Chapter 31B. Industrial limits are 75 dBA day, 70 dBA night. Equipment running 24 hours must meet ...
Rockville, MD
Rockville enforces noise limits under MoCo Code Chapter 31B. Daytime runs 7 AM to 9 PM weekdays, 9 AM to 9 PM weekends. Nighttime limit is 55 dBA at resident...
Rockville, MD
Rockville's animal control ordinance (Chapter 3) prohibits nuisance animal noise. Owners must prevent dogs from causing persistent noise that disturbs neighb...
Rockville, MD
Rockville sits between Reagan National and BWI but is outside both noise zones. Aircraft noise is federally regulated. The Maryland Environmental Noise Act o...
Rockville, MD
Maryland requires new homes after October 2023 to include EV-ready parking with a minimum 40-amp dedicated circuit. HOAs cannot prohibit charger installation.
Side-by-side rule comparisons with other cities in Montgomery County.
See how other cities in Montgomery County handle insurance requirements.
See how Rockville's insurance requirements rules stack up against other locations.
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