Coral Gables vs Miami Gardens

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 Gardens require insurance for Airbnb rentals?

The city does not impose specific insurance requirements, but hosts must comply with Florida DBPR licensing standards which include general liability provisions.

What permit do I need for a short-term rental in Miami Gardens?

You need a landlord permit from the Building & Zoning Department at a cost of $158, renewable every two years.

Do I need state registration for my rental?

Yes. If you rent for less than 30 days more than three times per year, you must register with the Florida DBPR under Chapter 509.