Insurance Requirements: Boynton Beach vs Delray Beach
How do insurance requirements rules compare between Boynton Beach, FL and Delray Beach, FL?
Boynton Beach has fewer restrictions than Delray Beach.
Boynton Beach, FL
Palm Beach County
Boynton Beach does not mandate a specific STR liability policy, but hosts are strongly encouraged to carry at least $1 million in liability coverage. Standard homeowners policies typically exclude commercial rental activity.
View full Boynton Beach 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 | Boynton Beach | Delray Beach |
|---|---|---|
| City Mandate | None specified | - |
| Recommended | $1M liability | - |
| Homeowners | Usually excludes STR | - |
| Platform | AirCover supplemental | - |
| HOA/Condo | May require proof | - |
| 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.
Boynton Beach FAQ
Who enforces this in Boynton Beach?
Boynton Beach code enforcement at (561) 742-6780 handles complaints.
Who enforces this in Boynton Beach?
Boynton Beach code enforcement at (561) 742-6780 handles complaints.
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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