Insurance Requirements: Doral vs Miami

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.

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.