Insurance Requirements: Delray Beach vs West Palm Beach
How do insurance requirements rules compare between Delray Beach, FL and West Palm Beach, FL?
Delray Beach and West Palm Beach have similar restriction levels.
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 →West Palm Beach, FL
Palm Beach County
West Palm Beach STR operators must maintain $1,000,000 minimum liability insurance covering vacation rental use. Standard homeowners policies typically exclude STR activity. Proof of coverage must be submitted with annual registration.
View full West Palm Beach rules →Key Facts Comparison
| Fact | Delray Beach | West Palm Beach |
|---|---|---|
| Minimum | 1,000,000 dollars liability | $1,000,000 liability |
| Certificate | Names city as holder | - |
| Homeowner Policy | Usually excludes STR | - |
| Airbnb/Vrbo | Platform coverage accepted | - |
| Flood | Recommended separately | - |
| Type | - | Commercial general liability |
| HO-3 | - | Typically excludes STR |
| Platform | - | Secondary coverage only |
| Wind/Flood | - | Separate policies needed |
Highlighted rows indicate differences between cities.
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.
West Palm Beach FAQ
Does my homeowners insurance cover my Airbnb?
Usually no. Standard HO-3 policies exclude commercial activity. WPB requires $1M liability insurance specifically covering STR use as part of registration.
Who enforces this in West Palm Beach?
West Palm Beach code enforcement at (561) 822-1300 handles complaints.
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