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

Neither the Ormond Beach Code of Ordinances nor the Land Development Code sets a minimum liability insurance amount for short-term rentals. Florida Statute 509.032(7)(b) preempts cities from adopting vacation-rental-specific regulations adopted after June 1, 2011 that treat STRs differently from other dwellings, which is why Ormond Beach has not enacted a host-insurance mandate. Florida Statute 509.241 and DBPR Division of Hotels and Restaurants licensing rules under Florida Administrative Code 61C-1.002 require a Vacation Rental Dwelling or Condo license but do not impose a state minimum liability policy amount. Operators in B-4, B-6, and B-7 commercial districts must obtain an Ormond Beach Business Tax Receipt (Code of Ordinances Chapter 17) at $52.50 for up to ten rooms plus $1.05 per additional room, and register with Volusia County for a county BTR; neither receipt requires proof of insurance. As a practical matter, hosts typically rely on commercial general liability (often $1 million per occurrence), short-term-rental endorsements on homeowners policies, and the host-protection coverage offered by platforms such as Airbnb and Vrbo, but those are private contractual matters, not city-imposed minimums.