Insurance Requirements: Boca Raton vs Delray Beach
How do insurance requirements rules compare between Boca Raton, FL and Delray Beach, FL?
Delray Beach has fewer restrictions than Boca Raton.
Boca Raton, FL
Palm Beach County
Short-term rentals are generally prohibited in Boca Raton's single-family residential zones. Where rentals operate with state licensing, the Florida DBPR requires proof of liability insurance. State licensing requires compliance with all applicable insurance requirements.
View full Boca Raton rules →Delray Beach, FL
Palm Beach County
Delray Beach requires STR operators to carry commercial liability insurance of at least 1,000,000 dollars per occurrence naming the city as a certificate holder under Ch. 118. Proof must be submitted at registration.
View full Delray Beach rules →Key Facts Comparison
| Fact | Boca Raton | Delray Beach |
|---|---|---|
| STR Status | Generally prohibited in SF residential zones | - |
| First Offense Fine | $1,000 | - |
| Second Offense | $2,500 | - |
| Subsequent | Up to $5,000 per violation | - |
| State License | DBPR requires insurance | - |
| Minimum | - | 1,000,000 dollars liability |
| Certificate | - | Names city as holder |
| Homeowner Policy | - | Usually excludes STR |
| Airbnb/Vrbo | - | Platform coverage accepted |
| Flood | - | Recommended separately |
Highlighted rows indicate differences between cities.
Boca Raton FAQ
Do I need insurance for a short-term rental in Boca Raton?
Short-term rentals are generally prohibited in single-family residential zones. Where permitted, the Florida DBPR requires liability insurance for state licensing.
What are the penalties for illegal short-term rentals in Boca Raton?
Fines of $1,000 for first offense, $2,500 for second, and up to $5,000 for subsequent violations, with potential guest eviction.
Delray Beach FAQ
Does my homeowners policy cover Airbnb guests in Delray Beach?
Usually not. Standard HO-3 policies exclude short-term rental activity. A commercial endorsement or STR policy is required.
Who enforces this in Delray Beach?
Delray Beach code enforcement at (561) 243-7000 handles complaints.
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