Apopka does not mandate a specific STR liability insurance amount, but FL DBPR licensing and standard business practice call for 1 million dollar commercial liability coverage. Airbnb Host Liability (AirCover) provides 1 million secondary coverage.
Florida does not require a statutory minimum liability policy for vacation rentals, but most lenders, HOAs, and platforms require proof of coverage. Typical short-term rental operators carry commercial general liability policies with limits of 1 million dollars per occurrence and 2 million aggregate, plus property insurance reflecting commercial use. Standard homeowner policies typically exclude short-term rental activity and hosts should obtain a dedicated STR/landlord endorsement or commercial policy. Airbnb provides AirCover for Hosts with 1 million in primary liability and 3 million in host damage protection.
No state penalty for lacking insurance, but uncovered claims can expose hosts to personal liability. HOA non-compliance: fines and liens.
Apopka, FL
Apopka quiet hours run 10 PM to 7 AM on weeknights and 11 PM to 8 AM weekends under Apopka Code Chapter 38 (Noise). Unreasonable noise at any hour violates F...
Apopka, FL
Modified exhaust, loud stereos, and jake-brake use are prohibited in Apopka. Car stereos audible 25 feet away violate state law, and Apopka Code Chapter 38 b...
Apopka, FL
Gas and electric leaf blowers are permitted in Apopka between 7 AM and 7 PM daily. There is no decibel cap specific to leaf blowers, and commercial landscape...
Apopka, FL
Apopka tags vehicles as abandoned after 72 hours of inoperable condition on public or private property. Inoperable means flat tires, missing parts, expired t...
Apopka, FL
Apopka follows Florida Building Code EV-ready provisions and FL §366.94 which preempts local restrictions on residential EV charging. Level 2 home charger in...
Apopka, FL
Apopka generally permits overnight on-street parking in residential zones unless posted otherwise. No citywide overnight ban exists. HOAs frequently prohibit...
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