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

11(B)(16) makes proof of liability insurance a condition of every vacation rental license application. The applicant must submit a certificate of insurance evidencing coverage for injury or harm to occupants and other invitees, and must acknowledge two things in writing: that the liability coverage will stay in effect for the entire time the property is used as a vacation rental, with replacement certificates supplied to the city as needed, and that a standard homeowner's or renter's insurance policy may not actually extend to short-term rental use, so a property owner cannot assume an existing policy is sufficient.

The chapter also addresses coverage sold through a booking platform: if a peer-to-peer or platform entity, such as an online short-term rental marketplace, provides the liability coverage instead of a separate policy, the vacation rental representative must submit a list naming every platform relied on for that coverage and must notify the city of any change or addition. If a listed platform turns out not to provide liability insurance for the rental, the representative must then submit its own certificate of insurance showing the required coverage. 13, a lapsed or unlisted policy can hold up a renewal the same way a missing tax account can.