Insurance Requirements: Melbourne vs Palm Bay
How do insurance requirements rules compare between Melbourne, FL and Palm Bay, FL?
Melbourne and Palm Bay have similar restriction levels.
Melbourne, FL
Brevard County
Melbourne does not require a city-issued certificate of insurance for short-term rentals because it has no STR ordinance. Florida Statute 509.032(7)(b) preempts new local STR-only insurance mandates. The DBPR vacation rental license under F.S. 509.241 sets the state floor, while industry practice is a $1 million per-occurrence liability policy.
View full Melbourne rules →Palm Bay, FL
Brevard County
Palm Bay does not require a city-issued certificate of insurance for short-term rentals because it has no STR ordinance. Florida Statute 509.032(7)(b) preempts new local STR-only insurance mandates. State law and the DBPR vacation-rental license set the floor; industry practice is a $1 million liability policy.
View full Palm Bay rules →Key Facts Comparison
| Fact | Melbourne | Palm Bay |
|---|---|---|
| - | - | |
| City Requirement | - | None |
| State Preemption | - | F.S. 509.032(7)(b) |
| DBPR License | - | Required, no min liability |
| Industry Standard | - | $1M per occurrence |
| HO-3 Policies | - | Typically exclude STR use |
| Platform Coverage | - | Excess only, not primary |
Highlighted rows indicate differences between cities.
Melbourne FAQ
Palm Bay FAQ
Does Palm Bay require liability insurance for an Airbnb?
No. Palm Bay has no short-term rental ordinance, and Florida Statute 509.032(7)(b) preempts new city-level STR-only insurance rules. Coverage is a contractual matter between the owner, insurer, and any HOA, not the city.
Is Airbnb's host protection enough insurance in Palm Bay?
It supplies up to $1,000,000 per occurrence for third-party bodily injury and property damage, but it is excess to the host's primary policy. Standard HO-3 homeowners policies usually exclude transient occupancy, so most operators add a dedicated STR policy or endorsement to be the primary layer.
What insurance limits do Palm Bay STR operators typically carry?
Industry practice is at least $1,000,000 per-occurrence commercial general liability, plus a dwelling policy on a replacement-cost basis written for short-term rental use. The state DBPR license under F.S. 509.241 does not set a numeric minimum.
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