Davie requires proof of vacation-rental home insurance as part of the registration application. The ordinance does not set a specific coverage dollar amount but conditions issuance of the Certificate of Compliance on submitting valid proof of insurance.
Davie Code Sec. 16-153(a)(9) requires the registration application to include 'proof of vacation rental home insurance.' This is one of the mandatory application documents, alongside proof of ownership, the DBPR license, and tax registrations, that must be submitted before the town issues a Certificate of Compliance. The town's published vacation rental application packet likewise lists 'Proof of vacation rental home insurance' among the required documents. The ordinance does not specify a minimum coverage limit, a liability dollar amount, or a particular policy type — it requires that valid proof of insurance covering the property's use as a vacation rental be on file. Because insurance proof is a registration prerequisite, failing to maintain it can prevent issuance or renewal of the certificate. Davie's insurance documentation requirement fits within Fla. Stat. Sec. 509.032(7), which lets local governments require registration and supporting documentation (such as proof of insurance) without prohibiting rentals or regulating their duration and frequency. Operators should confirm with their carrier that a standard homeowner's policy is adequate or whether a commercial/short-term rental endorsement is needed to satisfy the 'vacation rental home insurance' requirement.
Failing to provide or maintain proof of vacation-rental home insurance means the Certificate of Compliance will not be issued or renewed (Sec. 16-153, Sec. 16-157), and operating without a valid certificate is a violation carrying up to $500 per occurrence (Sec. 16-160).
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