DC's STR Act requires every licensed host to maintain at least $250,000 in liability insurance covering each rental transaction, either personally or through the booking platform's host protection program.
DC Code 36-302.01 mandates that STR hosts carry general liability coverage of at least $250,000 per occurrence covering the licensed unit during rental periods. Coverage may be satisfied through the host's homeowner or renter policy with an STR endorsement, a standalone commercial policy, or platform-provided host protection insurance such as Airbnb's AirCover or VRBO's coverage program. Hosts must attest to coverage on the DLCP license application and provide proof on demand. Standard homeowner policies typically exclude commercial activity, so most DC hosts must affirmatively obtain a rider or rely on platform coverage to comply.
Operating without the required coverage is grounds for license denial or revocation, and an uninsured incident may expose the host to personal liability for guest injuries or property damage.
Washington, DC
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Washington, DC
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Washington, DC
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Washington, DC
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Washington, DC
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See how Washington's insurance requirements rules stack up against other locations.
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