Insurance Requirements: Coral Gables vs Miami

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 Miami require insurance for short-term rentals?

Yes. Operators must attest to holding liability insurance covering transient occupants as part of the Certificate of Use application. While no specific dollar minimum is mandated, $1M in general liability is standard.

Does Airbnb Host Protection cover Miami STR insurance requirements?

Platform-provided insurance supplements but does not replace the operator's own liability policy. You should maintain a separate commercial general liability policy for your rental property.

What happens if my STR insurance lapses?

A lapse in insurance coverage may result in Certificate of Use suspension. The operator assumes full personal liability for any guest injuries or property damage during the uncovered period.