Miami-Dade County, FL Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Governing section
- § 33-28(C)(1)(h)
- Scope
- Unincorporated Miami-Dade County (UMSA) only
- Requirement
- Sworn statement, active liability insurance
- Enforcement
- Certificate of Use denial or revocation
- Penalty citation
- §§ 8CC-10 and 1-5
Summary
Unincorporated Miami-Dade County requires vacation rental Certificate of Use applicants to attest that liability insurance covering guest injuries will be in effect at all times, since standard homeowner's policies do not automatically cover short-term rental use.
Statement that insurance coverage will be in effect at all times while the property is being used as a vacation rental to cover liability for injury or harm to transient occupants or other invitees, and acknowledging that a standard homeowner's or renter's insurance policy may not necessarily provide such liability coverage while the property is used as a vacation rental;
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 135).
Full Breakdown
Miami-Dade County Code § 33-28(C)(1)(h) requires every vacation rental Certificate of Use application in unincorporated Miami-Dade County to include a sworn statement that liability insurance will be in effect at all times the property is used as a vacation rental, covering injury or harm to transient occupants and other invitees. The application must also acknowledge that a standard homeowner's or renter's policy does not necessarily provide that coverage. The statement is sworn as part of the application to the Department; false statements are grounds to deny or revoke the Certificate of Use, and operating without one draws penalties under §§ 8CC-10 and 1-5.
Violations & Fines
Providing false or misleading insurance information in a Certificate of Use application is grounds to deny or revoke it, and operating without a valid Certificate of Use triggers civil penalties under §§ 8CC-10 and 1-5.
Frequently Asked Questions
Does Miami-Dade require special insurance for vacation rentals?
Does this insurance rule apply inside the City of Miami or Miami Beach?
Sources & Official References
Other rules in Miami-Dade County
Florida rules heatmap·Compare Miami-Dade County to another location·View the Florida short-term rentals overview
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