No Pasco County-specific ordinance directly addresses short-term rental insurance requirements; FL state default applies. Florida regulates vacation rentals as public lodging establishments under Chapter 509 but does not mandate a specific local insurance policy.
Pasco County Ordinance 99-21 (Land Development Code Section 530.21) regulates authorization, registration, occupancy, taxes, and conduct for short-term rentals but does not impose a dedicated liability-insurance requirement. The ordinance instead requires short-term rentals to comply with all requirements for public lodging establishments under Chapter 509, Florida Statutes, and any other applicable local, state, and federal regulations, and to display the Chapter 509 license and county occupational license on the back of the main entrance/exit door. Florida Statute 509.241(1) requires each public lodging establishment, including vacation rentals, to obtain a license from the Division of Hotels and Restaurants before operating. Hosts should confirm coverage with their insurer and any rental-platform host-protection program, since neither the county ordinance nor Chapter 509 prescribes a particular insurance policy.
Because no county insurance mandate exists, there is no separate insurance penalty. Operating without the required Chapter 509 state license, however, violates F.S. 509.241 and LDC Section 530.21, exposing the owner and manager to the ordinance's penalties (up to $500 fine and/or 60 days jail per day under F.S. 125.69).
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Pasco County, FL
A 2008 amendment to Pasco County Code § 66-97 prohibits the use of sudden noise devices marketed as air cannons or propane cannons, including for frightening...
Pasco County, FL
No Pasco County-specific ordinance regulates aircraft noise, because federal law preempts the field. Congress vests the United States with exclusive sovereig...
Pasco County, FL
Pasco County Land Development Code Section 530.8 makes it unlawful to accumulate discarded vehicle tires, fixtures, or parts and other manmade materials wher...
Pasco County, FL
Pasco County Land Development Code Section 530.5 prohibits parking or storing any recreational vehicle on the right-of-way, and no portion of an RV may exten...
Pasco County, FL
Every gate, fence, or wall in unincorporated Pasco County must be of uniform construction and kept in good repair so as not to pose a hazard or eyesore. If 5...
Pasco County, FL
Private swimming pools in unincorporated Pasco County must be walled, fenced, or enclosed by a barrier at least 4 feet high with no openings greater than 4 i...
See how Pasco County's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.