Jacksonville requires short-term vacation rental operators to maintain valid insurance as part of the Short-Term Vacation Rental Certificate application process. Operators must also designate a Responsible Party who is at least 18 years old and available 24/7 to address issues. The Florida Department of Business and Professional Regulation additionally requires a vacation rental license at the state level, which has its own insurance and safety inspection requirements.
Jacksonville's short-term rental insurance requirements mandate that all permitted STR operators maintain commercial general liability insurance with minimum coverage of $500,000 per occurrence. The policy must specifically cover short-term rental activity — standard homeowner's policies typically exclude this use. The city must be listed as an additional insured or certificate holder on the policy. Proof of insurance is required at initial permit application and each annual renewal. Lapse in coverage results in automatic permit suspension until new proof is provided. Some hosts obtain coverage through platform-provided programs (such as Airbnb Host Protection), but Jacksonville may require a standalone policy depending on local regulations.
Operating an STR without required insurance: immediate permit suspension. Providing false insurance documentation: $1,000 fine and permit revocation. Liability for uninsured incidents falls entirely on the property owner.
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