Miami Beach requires short-term rental operators to maintain liability insurance as part of the Certificate of Use and Florida DBPR licensing process. Given the city's strict STR regulations, insurance requirements apply only to properties in approved zoning districts with proper licensing.
Short-term rental operators in Miami Beach must comply with insurance requirements under both city and state regulations. The Certificate of Use application requires attestation of adequate liability insurance covering transient occupants. The Florida Department of Business and Professional Regulation (DBPR) vacation rental license process requires proof of liability coverage. Industry standard is $1 million in commercial general liability coverage. Platform-provided insurance through Airbnb or Vrbo supplements but does not replace the operator's own policy. Insurance must remain active throughout the permit period. Given Miami Beach's barrier island location, operators should carry windstorm and flood insurance as standard homeowner's policies may exclude these perils. The city's 7% resort tax and state tax obligations also apply. Only properties in approved commercial and resort zoning districts may operate legally as STRs.
Operating an STR without valid insurance may result in Certificate of Use suspension. Operators bear full personal liability for guest injuries during any insurance lapse. Overall STR violations are enforced with fines starting at $20,000.
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Side-by-side rule comparisons with other cities in Miami-Dade County.
See how other cities in Miami-Dade County handle insurance requirements.
See how Miami Beach's insurance requirements rules stack up against other locations.
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