Brevard County requires vacation rental operators to carry $1 million liability insurance or hold an active DBPR vacation rental license which satisfies state coverage requirements. Proof submitted at registration and annual renewal.
Brevard County Code §62-1841.5 requires vacation rental registrants to maintain commercial general liability insurance with minimum coverage of $1,000,000 per occurrence, or to provide proof of an active FL DBPR vacation rental license which incorporates required coverage. Standard homeowner policies typically exclude transient commercial rental activity. Hosts should obtain a commercial short-term rental policy or endorsement. Airbnb AirCover and Vrbo Liability Insurance provide $1M per occurrence and satisfy the requirement when the listing is active on those platforms. Direct-booked rentals need separate commercial policy. Certificate of insurance must list Brevard County as certificate holder. Coverage must be continuous; lapses trigger registration suspension. Florida windstorm and flood coverage strongly recommended but not required for STR registration.
Operating without insurance: $500 per day fine, registration suspension. Expired coverage: 10-day cure period, then revocation. Uninsured incident: host personally liable.
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