Insurance Requirements: Fort Lauderdale vs Miramar
How do insurance requirements rules compare between Fort Lauderdale, FL and Miramar, FL?
Miramar has fewer restrictions than Fort Lauderdale.
Fort Lauderdale, FL
Broward County
Fort Lauderdale vacation rental operators must maintain liability insurance as part of the registration program under Article X of Chapter 15. DBPR state licensing also requires proof of insurance coverage.
View full Fort Lauderdale rules →Miramar, FL
Broward County
Miramar requires a Business Tax Receipt and zoning certificate of use for short-term rentals. FL DBPR licensing required for stays under 30 days. No city-specific insurance mandate beyond state requirements. Registration with Miramar Police Department required.
View full Miramar rules →Key Facts Comparison
| Fact | Fort Lauderdale | Miramar |
|---|---|---|
| Code Section | Ch. 15, Art. X — Vacation Rental | - |
| Liability Insurance | Required for registration | - |
| State License | DBPR also requires insurance | DBPR under FL Ch. 509 |
| Platform Insurance | May not satisfy all requirements | - |
| Contact | Vacation Rental Program — 954-828-5207 | - |
| City Insurance Mandate | - | No specific city requirement |
| BTR Required | - | Yes |
| Police Registration | - | Required |
| Zoning CU | - | Required |
Highlighted rows indicate differences between cities.
Fort Lauderdale FAQ
Do I need insurance to rent my property as a vacation rental in Fort Lauderdale?
Yes. Both the city's registration program under Article X of Chapter 15 and the state DBPR license require proof of liability insurance coverage.
Does Airbnb's insurance cover my Fort Lauderdale requirements?
Airbnb's Host Protection Insurance may not satisfy all city and state insurance requirements. You should verify coverage with the Vacation Rental Program and your personal insurance provider.
Miramar FAQ
Does Miramar require STR insurance?
No city-specific insurance mandate, but DBPR licensing includes liability requirements.
What permits do I need?
Business Tax Receipt, zoning certificate of use, police registration, and DBPR license.
Do I need to register with the police?
Yes. Registration with the Miramar Police Department is required for short-term rentals.
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