Daytona Beach, FL Short-Term Rentals: Insurance Requirements (2026)

Florida's vacation rental licensing scheme under F.S. Chapter 509 and the DBPR vacation rental dwelling application do not require operators to carry a specific liability insurance amount. Florida Statute 509.032(7)(b) preempts cities from adopting vacation-rental-specific regulations stricter than those applying to other dwellings, which constrains Daytona Beach's authority to mandate STR-only insurance minimums by local ordinance. The City of Daytona Beach's Rental Property Program (managed by the Business Tax Office at 386-671-8140) registers long-term rentals (6 months and 1 day or longer) annually and does not impose a separate STR insurance minimum on top of state law. Standard Florida homeowner policies typically exclude losses arising from short-term commercial rental activity, so DBPR licensing guidance and industry practice recommend a dedicated short-term rental policy or commercial liability endorsement, with $1,000,000 in liability coverage commonly cited as the market norm. Hosts using Airbnb may rely on the platform's AirCover host liability coverage, and VRBO offers a comparable Liability Insurance program; both are designed as backstops, not replacements for a host's own policy. Lenders and HOAs may impose their own insurance requirements separate from any city or state rule.