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

Short-term rental operators in North Miami must comply with the Florida Vacation Rental Act (F.S. 509) and DBPR licensing requirements. While the city does not impose a specific local liability insurance minimum beyond state requirements, the DBPR licensing process and standard industry practice strongly recommend or require hosts to carry liability insurance. Most vacation rental platforms (Airbnb, VRBO) provide some host protection coverage, but this does not replace a dedicated liability policy. Industry standard liability coverage is $1 million per occurrence. Florida law requires property insurance to include wind/hurricane coverage, which is critical in North Miami's HVHZ designation. Flood insurance through the National Flood Insurance Program (NFIP) is typically required for properties in FEMA flood zones, which includes much of North Miami near Biscayne Bay. Operators should also carry loss-of-income coverage and personal property damage coverage. Contact the Florida DBPR at 850-487-1395 for state licensing insurance requirements.