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

City Code Sec. 102-386(a)(1)j sits inside the sworn affidavit an owner must file with the city before advertising a residential property for transient rental or occupancy. Among the sworn statements the owner must make is that the property has insurance coverage in effect at all times while it is used as a short-term rental, and that the coverage protects against liability for injury or harm to transient occupants or their invitees. Because the requirement is folded into the pre-advertising affidavit rather than a separate filing, the city does not independently underwrite the policy; it relies on the owner's sworn representation, backed by the record-keeping duty in Sec.

102-386(b), which requires the owner to maintain licenses, records and documentation sufficient to demonstrate that every statement in the affidavit, including the insurance statement, is true and accurate, and to produce that proof to the code compliance department on request. A false insurance statement in the affidavit falls under Sec. 102-386(c): false or misleading information in an application is grounds to deny or revoke the business tax receipt or certificate of use, and that determination cannot be appealed. The insurance duty runs alongside the section's broader duties in Sec. 102-386(k), including promptly reporting violations affecting guest safety to code compliance or the police department as appropriate.