Broward County, FL Short-Term Rentals: Insurance Requirements (2026)

Short-term rental operators in Broward County typically must carry commercial general liability insurance as part of the registration and permitting process adopted by individual cities. The most common requirement across Broward municipalities (including Fort Lauderdale, Hollywood, and Deerfield Beach) is $1,000,000 per occurrence in liability coverage with the rental property listed as a covered location and the operator named as an insured. Florida DBPR does not itself mandate a specific insurance amount for vacation rental licenses, but FL 509.032 allows cities to require proof of insurance as part of a non-preempted STR registration scheme. Standard homeowners policies generally exclude or severely limit coverage when a property is used for short-term rentals, so operators typically need a dedicated STR policy, a commercial dwelling policy, or a landlord policy with STR endorsement. Airbnb provides Host Liability Insurance up to $1 million through AirCover, and VRBO offers similar coverage, which may satisfy city registration requirements but operators should verify with their municipality. Proof of insurance (a certificate of insurance) must usually be submitted at registration and renewed annually. Gaps in coverage can trigger permit suspension.