Neither Bay County nor Panama City Beach requires vacation-rental hosts to carry a set amount of liability insurance. Florida's DBPR license and local certificate don't mandate coverage, but standard homeowner policies usually exclude short-term rental activity.
Florida does not require vacation-rental operators to carry a minimum liability policy, and neither Bay County's Ordinance 23-18 nor Panama City Beach's Vacation Rental Certificate program sets a coverage floor - their focus is registration, fire/life-safety inspection, and a responsible-party contact. That said, a standard Florida homeowner policy usually excludes commercial or short-term rental use, and platform coverage like Airbnb's AirCover is limited and secondary. Hurricane exposure is real here: Hurricane Michael (Category 5, October 2018) leveled much of Bay County, so hosts should confirm windstorm and flood coverage separately. Most insurers recommend a dedicated short-term-rental or commercial policy with $500,000 to $1,000,000 in liability.
No penalty applies for lacking insurance, since coverage isn't mandated. But an uninsured host faces full personal liability for guest injuries or property damage, and a denied homeowner claim if the insurer learns of undisclosed rental use.
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