Insurance Requirements: Coral Gables vs Homestead

Do I need STR insurance for my Coral Gables home?

Short-term rentals are prohibited in all Coral Gables residential districts, so residential STR insurance requirements are not applicable. Operating an STR in a residential zone carries $150 per day fines regardless of insurance status.

What insurance is needed for commercial STRs in Coral Gables?

STRs operating legally in commercial zones must carry general liability insurance as part of DBPR Public Lodging Establishment licensing. A Certificate of Use from Miami-Dade County is also required and must be renewed annually.

Does homeowner insurance cover STR activity in Coral Gables?

Standard homeowner insurance typically does not cover commercial rental activities. Since residential STRs are prohibited in Coral Gables, any unauthorized rental activity would likely void homeowner insurance claims related to guest injuries or property damage.

Does my homeowner insurance cover my Homestead Airbnb?

Probably not. Most standard homeowner policies exclude coverage for commercial short-term rental activity. You need a vacation rental endorsement or dedicated STR policy.

Do I need flood insurance for my Homestead STR?

If your property is in a FEMA-designated flood zone, flood insurance is likely required — especially if you have a federally backed mortgage. Many areas of Homestead are in flood zones.

Does Airbnb insurance cover me as a Homestead host?

Airbnb provides supplemental Host Protection Insurance, but it does not replace a dedicated liability policy. You should carry your own $300K to $1M coverage.