Neither the City of Zephyrhills Land Development Code nor Florida statute imposes a specific liability-insurance dollar minimum on short-term rental operators. FS 509.032(7)(b) preempts post-June-2011 city STR-specific rules, and there is no statewide STR insurance mandate. Operators are still strongly encouraged to confirm coverage with a licensed agent because standard homeowner policies typically exclude commercial rental activity.
Zephyrhills' Land Development Code on Municode does not include an STR chapter, and the city does not require operators to file a certificate of insurance. Florida has no statewide vacation rental insurance mandate; FS 509.241 (DBPR Vacation Rental Dwelling licensing) and FS 509.032(7)(b) (preemption of post-June-2011 city STR ordinances) do not specify liability-insurance dollar minimums. Pasco County's STR registration program likewise focuses on owner contact information, a 24/7 responsible-party phone number, and proof of the Chapter 509 state license rather than a numeric insurance floor. Most Zephyrhills hosts rely on Airbnb's Host Liability or Vrbo's Liability Coverage (up to $1,000,000 per occurrence on covered platforms) as secondary protection and add a short-term rental endorsement or dedicated landlord/STR policy because standard homeowner policies typically exclude business or transient rental use. Confirm any current city or county insurance requirement with the Zephyrhills Planning Department at 813-780-0000.
Because Zephyrhills has no STR insurance ordinance and Florida has no statewide STR insurance mandate, there is no city or state citation tied to insurance non-compliance. Operating without the required DBPR Vacation Rental Dwelling license under FS 509.241 or skipping Pasco County registration, however, can result in fines and license revocation.
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