Florida law does not mandate a specific insurance amount for vacation rentals, but PBC requires proof of liability insurance with the BTR application. Industry standard is $1 million liability minimum. Standard homeowners policies typically exclude commercial STR activity.
DBPR vacation rental license application requires proof of property insurance. PBC Tax Collector BTR application requests certificate of insurance. Most STR-friendly carriers (Proper Insurance, Slice, CBIZ) offer specialized commercial vacation rental policies with $1M to $2M liability and lost income coverage. Florida hurricane wind coverage is separate and often requires Citizens Property Insurance Corporation in coastal PBC areas. Airbnb AirCover and Vrbo Liability Insurance provide $1M secondary coverage but should not be relied upon as primary.
Operating without insurance: not a state criminal offense but creates personal liability exposure. Lender or HOA may require minimum coverage as condition of mortgage or membership.
Palm Beach County, FL
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Palm Beach County, FL
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Palm Beach County, FL
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Palm Beach County, FL
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Palm Beach County, FL
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Palm Beach County, FL
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See how Palm Beach County's insurance requirements rules stack up against other locations.
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