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

The City of Doral does not currently mandate a specific minimum liability insurance amount for short-term rental operators through its municipal code. However, Florida's vacation rental regulatory framework and industry best practices strongly recommend that operators carry comprehensive liability insurance. Major platforms like Airbnb provide host protection insurance (typically $1 million in liability coverage) as part of their service, but this coverage has exclusions and limitations. Independent operators or those using platforms without built-in coverage should carry a minimum of $500,000 to $1 million in general liability insurance. Standard homeowner's insurance policies typically exclude commercial rental activities, so operators need either a rider for short-term rental use or a separate commercial liability policy. Properties in flood zones should carry flood insurance in addition to standard coverage. Miami-Dade County requires vacation rental operators to register and comply with resort tax collection, but insurance is managed at the property level. HOA communities may require proof of insurance for rental activities.