Florida has no statewide statutory insurance mandate for short-term or vacation rentals, and Dade City's Code does not impose a city-level STR liability insurance requirement. Hosts typically carry homeowners or landlord coverage; lender-required NFIP flood insurance applies to parcels within FEMA Special Flood Hazard Areas along the Withlacoochee River corridor.
Florida Chapter 509 (Public Lodging Establishments) requires DBPR licensure of vacation rentals under FS 509.241 but sets no minimum liability-insurance dollar figure for hosts, and FS 509.032(7)(b) preempts Dade City from adopting an STR-specific insurance ordinance that did not exist before June 1, 2011. The Dade City Code of Ordinances and Land Development Regulations on Municode do not contain an STR insurance threshold. Practical coverage gaps arise because most standard homeowners policies exclude transient commercial rental activity; hosts commonly purchase landlord/short-term-rental endorsements or commercial policies. Platform host-protection programs (Airbnb AirCover, Vrbo Liability Insurance) provide secondary coverage but do not substitute for compliance with state licensing or local zoning. For flood-prone parcels near the Withlacoochee River, NFIP flood insurance is typically lender-mandated. Confirm specific requirements with the Dade City Planning Department at 352-523-5050.
Dade City does not fine hosts for lack of STR insurance because none is required locally. Operating without the required DBPR vacation rental license violates FS 509.241 and is enforced by the state.
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