Miami-Dade County requires STR operators to maintain liability insurance covering injury or harm to transient occupants and invitees as a condition of the Certificate of Use under Section 33-28.
Section 33-28 of the Miami-Dade County Code requires vacation rental operators to maintain insurance coverage sufficient to cover liability for injury or harm to transient occupants or other invitees. This insurance requirement is a condition of the Certificate of Use application and renewal. Operators must provide proof of insurance during the application process and at each annual renewal. The insurance must cover the specific vacation rental use of the property. Standard homeowner's insurance policies may not cover short-term rental activity and typically require a rider or separate commercial policy. Platforms like Airbnb offer supplemental host protection insurance but this may not satisfy the county requirement.
Failure to maintain required insurance may result in non-renewal or revocation of the Certificate of Use. Operating without insurance exposes the property owner to personal liability for guest injuries.
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