Severna Park, MD Short-Term Rentals: Insurance Requirements (2026)

Severna Park short-term rentals are licensed under Anne Arundel County Code Title 13A through the Department of Inspections and Permits. The County's published registration package and Title 13A focus on: registration through the Land Use Navigator, a $100 two-year fee, a maximum of two registered properties per host, a 24-hour minimum rental period, smoke-alarm and life-safety compliance, display of the County registration number on listings, no overdue County taxes or fees, hosting-platform disclosure within 10 days of changes, and remittance of the 8% county use-or-occupancy tax. The County's own published Title 13A and registration form do not set a specific dollar liability-insurance minimum for hosts. Maryland has no single statewide statute that imposes a $1,000,000 commercial liability minimum on every short-term rental host; transient lodging is taxed under MD Code, Tax-General §11-101 et seq., but state tax law does not function as a statewide insurance mandate. Some other Maryland jurisdictions - notably Prince George's County, Gaithersburg, and Ocean City - do require their licensed STR hosts to carry $1,000,000 in commercial liability coverage as a condition of those local licenses, but those are local rules and do not automatically extend to Anne Arundel County or Severna Park. Hosts should confirm whether their platform's automatic host-protection program (e.g., Airbnb AirCover, Vrbo Liability Insurance) actually covers their risk profile, and whether their underlying homeowner's policy excludes short-term rental activity (most standard HO-3 policies do). Severna Park is outside the corporate limits of Annapolis, so Annapolis Code Chapter 17.44 - which also lacks a city-level dollar insurance minimum - is not the controlling rule here.