Insurance Requirements: Miami vs North Miami

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.

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.