Insurance Requirements: Miami Beach vs North 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.

Do I need insurance for a short-term rental in North Miami?

Yes. While North Miami does not set a specific local insurance minimum, DBPR licensing and industry standards require adequate liability coverage. Most experts recommend at least $1 million in liability coverage per occurrence. Platform coverage (Airbnb, VRBO) supplements but does not replace a dedicated policy.

Is flood insurance required for North Miami vacation rentals?

If your property is in a FEMA flood zone (common near Biscayne Bay), flood insurance through the NFIP is typically required by your mortgage lender and strongly recommended for all rental properties. Contact your insurance agent for site-specific requirements.

Does hurricane coverage apply to short-term rentals in North Miami?

Yes. North Miami is in the HVHZ (High Velocity Hurricane Zone), and property insurance must include wind/hurricane coverage. This is required regardless of whether the property is used as a short-term rental.