Insurance Requirements: Miami Beach vs Miami

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.

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.