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

Sec. 12-229 lists the sworn information every vacation rental permit application must contain. Item (6) requires proof of the owner's current ownership of the property, and item (7), immediately after it, requires proof of the owner's certificate of liability insurance. The Code does not print a minimum coverage amount, deductible, or named-insured requirement for that certificate; it simply makes production of proof a condition the community development director or designee checks before an application can be treated as complete. Sec. 12-229(b) makes clear that submitting an incomplete application, which includes an application missing the insurance proof, results in outright rejection rather than a request to cure.

The insurance proof sits alongside the application's other risk-management pieces: acknowledgment in Sec. 12-229(a)(5) that no unsatisfied code-violation liens exist on the property, and the vacation rental standards in Sec. 12-234(1), which independently require pool and spa safety compliance, smoke and carbon-monoxide alarms, and a portable fire extinguisher on every floor. Because liability insurance is a permit-application requirement rather than a stand-alone article, an owner who lets a policy lapse after the permit issues faces the same enforcement path as any other Article XIII violation: Sec.

12-238 lets the city manager suspend or revoke the permit, and the code-enforcement board or special magistrate can act under F.S. chapter 162, with fines set by commission resolution for repeat violations.