Coral Gables prohibits short-term rentals in residential districts, so residential STR insurance requirements are moot. For legally operating STRs in commercial zones, Florida law requires public lodging establishment licensure which carries mandatory insurance and liability requirements.
Since Coral Gables bans short-term rentals in all residential zoning districts, residential STR insurance requirements do not apply within the city. For short-term rental operations legally permitted in Commercial-Limited, Commercial, and Industrial zones, operators must comply with Florida Department of Business and Professional Regulation (DBPR) public lodging establishment requirements, which include adequate liability insurance coverage. Operators must obtain a Certificate of Use from Miami-Dade County, renewed annually, and a DBPR Public Lodging Establishment License if renting for fewer than 30 days more than three times per year. These commercial STR operations must carry general liability insurance as required by the DBPR licensing process and maintain compliance with all applicable fire safety and building code requirements for transient lodging.
Operating an STR without required licenses and insurance in commercial zones results in DBPR enforcement action and potential license revocation. Operating any STR in residential districts carries $150 per day fines under AO-2021-05, enforced by Code Enforcement at (305) 460-5216.
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