Insurance Requirements: Cocoa vs Titusville
How do insurance requirements rules compare between Cocoa, FL and Titusville, FL?
Cocoa and Titusville have similar restriction levels.
Cocoa, FL
Brevard County
Neither Cocoa nor Florida requires STR hosts to carry a specific liability insurance amount. Cocoa has no STR ordinance, and FS 509.032(7)(b) preempts new local STR-specific mandates. Hosts should still verify coverage through their platform and a private STR or commercial-liability policy.
View full Cocoa rules →Titusville, FL
Brevard County
Titusville Section 28-9 prohibits whole-house rentals shorter than three months in residential and mixed-use districts but does not require a city-issued certificate of insurance. Florida Statute 509.032(7)(b) preempts new STR-only insurance mandates, and the DBPR vacation rental license under F.S. 509.241 sets no specific liability minimum. Industry practice is a $1,000,000 per-occurrence liability policy.
View full Titusville rules →Key Facts Comparison
| Fact | Cocoa | Titusville |
|---|---|---|
| City Insurance Minimum | None - no STR ordinance | - |
| State Insurance Minimum | None statewide | - |
| State Preemption | FS 509.032(7)(b) | - |
| DBPR License | Required under FS 509.241 | - |
| Industry Norm | $300K-$1M STR or CGL policy | - |
| HO-3 Exclusion | Most exclude STR activity | - |
| - | - |
Highlighted rows indicate differences between cities.
Cocoa FAQ
Does Cocoa require short-term rental hosts to carry liability insurance?
No. The City of Cocoa has not adopted a short-term rental ordinance and does not require hosts to carry a specific liability insurance amount. Florida Statute 509.032(7)(b) also prevents cities from adopting new STR-specific insurance mandates after June 1, 2011 unless grandfathered.
Does Florida state law require STR liability insurance?
Florida does not set a statewide short-term rental insurance minimum. The DBPR Vacation Rental license under FS 509.241 covers licensing, fees, and inspection compliance, not a specific liability policy amount. Hosts choose coverage based on their own risk tolerance and platform requirements.
Is Airbnb's AirCover enough for a Cocoa host?
Cocoa does not certify any platform's protection program. Standard homeowner's HO-3 policies in Florida typically exclude short-term rental activity, so most hosts buy a dedicated short-term rental or commercial-liability policy in addition to platform coverage. Confirm exclusions with your insurer and any HOA or condo master policy.
Titusville FAQ
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