Miramar, FL Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Required coverage
- Premises ops, injury, property damage
- Insurer requirement
- Licensed by Florida Insurance Commissioner
- Proof of coverage
- Must be shown to city on demand
- Applies to
- B&Bs, vacation and short-term rentals
- Codified by
- Ord. No. 25-14, effective 9-3-25
Summary
Miramar requires every bed and breakfast, vacation rental, and short-term rental to carry commercial general liability insurance before it can operate. The Land Development Code sets minimum coverage categories and lets the city demand proof of the policy at any time to confirm the unit stays compliant.
Units must have commercial general liability insurance coverage. Coverage shall include, as a minimum: (i) premises operations, (ii) personal injury liability, (iii) property damage, and (iv) expanded definition of property damage. All insurance policies shall be issued by insurance companies licensed to do business by the Florida Insurance Commissioner. Copies of the policies must be presented upon demand to the city to assure compliance with this section;
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 104 | Land Development Code: Supplement 46).
Full Breakdown
2, a short-term rental cannot lawfully host guests without commercial general liability coverage on file. The code spells out four minimum coverage components: premises operations, personal injury liability, property damage, and an expanded definition of property damage, and requires the insurer to be licensed to do business by the Florida Insurance Commissioner. The insurance duty sits inside the same registration package that requires an owner-occupant or a local responsible party registered with the Miramar Police Department and available 24/7, a notarized trespass affidavit, a city-issued zoning certificate of use, a business tax receipt, sales tax registration with the Florida Department of Revenue, Broward County Tourist Development Tax registration, and Florida DBPR licensure as a transient public lodging establishment.
2. This provision was most recently codified through Ordinance No. 25-14, Section 4, adopted September 3, 2025, and applies citywide to any unit rented on a short-term or transient basis, not just properties marketed as bed and breakfasts.
Violations & Fines
Operating without the required liability coverage, or without documentation on hand, is treated as noncompliance with Section 405.11.2 and can result in denial, suspension, or revocation of the vacation rental zoning certificate of use. Each day the violation continues counts as a separate offense, code fines under this section are not subject to reduction by the Special Magistrate, and repeat violations trigger escalating suspensions of the rental's operating certificate on top of any fine.
Frequently Asked Questions
What insurance must a Miramar short-term rental carry?
Does Miramar actually check the policy?
What happens if my rental isn't insured?
Sources & Official References
Other rules in Miramar
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