Insurance Requirements: Miami Gardens vs North Miami

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.

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.