Miami Gardens does not impose city-specific insurance requirements for short-term rentals beyond state-level requirements. Hosts must comply with Florida DBPR licensing under Chapter 509, which includes general liability standards. A landlord permit is required from the Building & Zoning Department at a cost of $158, renewable every two years.
The City of Miami Gardens does not have a separate short-term rental insurance ordinance. Hosts operating short-term rentals must obtain a landlord permit from the city's Building & Zoning Department ($158, renewable every two years) and register with the Florida Department of Business and Professional Regulation (DBPR) under Chapter 509 if renting for less than 30 days more than three times per year. Florida DBPR licensing requires general liability insurance standards. Hosts are encouraged to carry adequate liability insurance, and platforms like Airbnb and VRBO offer host protection programs. Proof of insurance may be requested during the landlord permit application process.
Operating without a landlord permit is a code violation. DBPR licensing violations carry state-level penalties including fines and license suspension.
Miami Gardens, FL
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