Biloxi and Gulfport may require STR operators to carry liability insurance. Minimum coverage commonly $500,000 to $1 million. Coastal properties face additional wind and flood insurance considerations.
Short-term rental operators in Harrison County should carry commercial or rider liability insurance covering guest injuries and property damage. Biloxi and Gulfport STR ordinances may require proof of liability coverage, typically $500,000 to $1,000,000 minimum, at permit application and renewal. Standard Mississippi homeowner policies commonly exclude commercial rental activity — hosts must obtain a short-term rental rider or switch to a commercial landlord policy. Platform insurance like Airbnb's AirCover or Vrbo's liability coverage may supplement but does not substitute for a host's own policy in most jurisdictions. Harrison County coastal properties require wind coverage through the Mississippi Windstorm Underwriting Association (MWUA) in designated coastal wind pool zones. FEMA flood insurance through the NFIP is mandatory for federally-backed mortgages in SFHAs and strongly recommended for any coastal rental. Lapses in insurance may void the STR permit.
Operating without required insurance: permit denial or suspension. Uninsured guest injury: personal liability exposure for hosts, potentially catastrophic. Lapsed proof at renewal: permit non-renewal.
Biloxi, MS
Biloxi limits construction noise to daytime hours, typically 7 AM to 7 PM weekdays and 8 AM to 5 PM Saturdays, under local building and noise ordinances.
Biloxi, MS
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Biloxi, MS
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Biloxi, MS
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Biloxi, MS
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Biloxi, MS
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See how Biloxi's insurance requirements rules stack up against other locations.
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