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

Few Restrictions

Verified 1 month ago|Source: Florida DBPR - Vacation Rental Requirements →

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Key Facts

State Minimum: None
Local Minimum: None
Typical Policy: $1M liability
Platform Coverage: Limited

City-specific rules exist: Jacksonville has its own insurance requirements rules that differ from Duval County's county-level regulations. If you live in Jacksonville, check the city-specific page instead.

Summary

Florida has no statutory minimum STR liability insurance. Duval/Jacksonville does not require a specific policy, but DBPR licensing and lender requirements typically drive operators to carry $1M in liability coverage.

Full Breakdown

Platforms like Airbnb (AirCover) and Vrbo provide limited host protection, but most specialty STR insurers recommend a dedicated short-term-rental policy in place of a standard HO-3 homeowner's policy, which often excludes rental activity. Duval County does not verify insurance at the LBTR stage. This insurance requirements rule under Duval County's short term rentals ordinances applies to unincorporated areas of Duval County. For current statutory text, amendments, enforcement procedures, fines, appeal options, and any exemptions that may apply to your situation, contact Duval County code enforcement directly or consult the official Florida municipal code library. Ordinances change periodically; always verify with local staff before relying on summary information.

Frequently Asked Questions

Does Duval County require STR liability insurance?

No. Neither Duval County nor Florida state law mandates specific liability insurance for vacation rentals. However, standard homeowner's policies typically exclude STR activity, so a commercial host policy is strongly recommended.

Do I need flood insurance for my rental property?

If your property is in a FEMA Special Flood Hazard Area (common along the St. Johns River and Atlantic coast) and has a federally backed mortgage, flood insurance is required.

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

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