Insurance Requirements: Homestead vs Miami

Does my homeowner insurance cover my Homestead Airbnb?

Probably not. Most standard homeowner policies exclude coverage for commercial short-term rental activity. You need a vacation rental endorsement or dedicated STR policy.

Do I need flood insurance for my Homestead STR?

If your property is in a FEMA-designated flood zone, flood insurance is likely required — especially if you have a federally backed mortgage. Many areas of Homestead are in flood zones.

Does Airbnb insurance cover me as a Homestead host?

Airbnb provides supplemental Host Protection Insurance, but it does not replace a dedicated liability policy. You should carry your own $300K to $1M coverage.

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.