Insurance Requirements: Doral vs Miami Beach

Does Doral require insurance for short-term rentals?

Doral does not currently mandate a specific insurance amount for STR operators. However, industry standards recommend $500,000 to $1 million in liability coverage. Standard homeowner's policies typically exclude rental activities.

Does Airbnb insurance cover me in Doral?

Airbnb provides host protection insurance up to $1 million, but it has exclusions and is secondary to your own coverage. Hosts should carry their own liability policy or add a short-term rental rider to their homeowner's insurance.

Do I need flood insurance for my Doral rental property?

If your property is in a FEMA flood zone, flood insurance is strongly recommended and may be required by your mortgage lender. Standard liability policies do not cover flood damage.

What insurance do I need for a Miami Beach short-term rental?

You need commercial general liability insurance (industry standard $1M), proof of coverage for the DBPR license, and attestation of insurance for the city Certificate of Use. Windstorm and flood insurance are strongly recommended given the barrier island location.

Does Airbnb's Host Protection cover Miami Beach STR requirements?

Platform-provided host protection insurance supplements but does not replace your obligation to maintain a separate commercial general liability policy. You must carry your own insurance to satisfy city and state licensing requirements.

What happens if my STR insurance lapses in Miami Beach?

An insurance lapse may result in Certificate of Use suspension and leaves you personally liable for guest injuries or property damage. Maintaining continuous coverage is required throughout your permit period.