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

Titusville's grandfathered short-term rental ordinance under LDR Section 28-9 is a use restriction (no whole-house rentals under three months in residential and mixed-use districts), not a registration or insurance scheme. The city does not require a certificate-of-insurance filing, named-additional-insured designation, or minimum coverage limit at the municipal level for the rentals that are permitted (commercial transient accommodation districts or hosted room rentals). Florida Statute 509.032(7)(b) preempts municipalities from adopting new STR-only insurance rules unless an ordinance was on the books before June 1, 2011; Section 28-9 is grandfathered as a use prohibition but Titusville has not added an insurance requirement on top. Florida Statute 509.241 and Florida Administrative Code Chapter 61C-3 require any vacation rental advertised or rented for periods of less than 30 days more than three times in a calendar year to hold a Division of Hotels and Restaurants license, but the DBPR license itself does not mandate a specific commercial general liability minimum. Hosting platforms supply some coverage by default: Airbnb's host liability insurance program offers up to $1,000,000 per occurrence for guest bodily injury or third-party property damage, and Vrbo's liability program offers a similar $1,000,000 limit; both are excess to and conditioned on the host's primary policy. Standard Florida HO-3 homeowners policies typically exclude or sharply limit transient or commercial occupancy, so prudent operators carry a dedicated short-term rental policy or an HO-3 endorsement explicitly permitting STR use. Brevard County's Tourist Development Tax registration does not impose an insurance minimum. If the property is in a homeowners or condominium association, the master deed and declarations may impose their own insurance covenants on rentals.