Insurance Requirements: Miami Beach vs Miami Gardens

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 Gardens require insurance for Airbnb rentals?

The city does not impose specific insurance requirements, but hosts must comply with Florida DBPR licensing standards which include general liability provisions.

What permit do I need for a short-term rental in Miami Gardens?

You need a landlord permit from the Building & Zoning Department at a cost of $158, renewable every two years.

Do I need state registration for my rental?

Yes. If you rent for less than 30 days more than three times per year, you must register with the Florida DBPR under Chapter 509.