Short-term rental insurance in Miami, FL

For Airbnb and VRBO hosts in Miami, a homeowners or landlord policy rarely covers the paying-guest stays that make a vacation rental work. Short-term rental insurance picks up the slack, covering your structure, host liability, and the rental income that vanishes when a covered event idles the property.

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Miami's short-term rental owners rate us five stars.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Why you need insurance for your Miami short-term rental

Miami’s short-term rental market is thriving, from high-rise apartments downtown to oceanfront condos in South Beach. But local regulations can be strict, with licensing and zoning rules that every landlord and Airbnb host must follow.

Steadily’s short-term rental insurance helps Miami property owners stay compliant while protecting against damage, liability, and lost income.

Since a Miami short-term rental faces risks a homeowners policy was never meant to cover, Steadily’s short-term rental insurance steps in where a standard policy stops, protecting your property, your guests, and your bottom line.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K to $2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, siding, windows, and wind damage to your rental. See what’s covered, deductibles, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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What a Miami host needs behind them

Neither the City of Miami nor Miami Beach pins down a required insurance amount, so protecting yourself is entirely your call. A standard Florida homeowners policy won't do it: it's built for an owner-occupied home and excludes the commercial activity of hosting, which is where a denied claim usually starts.

A dedicated short-term rental policy is written for the real use. It covers the dwelling, liability when a guest is injured, your contents, and the income you lose when a covered event shuts the place down. Along this stretch of coast, hurricane and storm exposure makes that dwelling and income coverage more than a formality.

With Miami's zoning and Miami Beach's rules both in motion, steady insurance is the part you can lock down now. Run a quick quote to see what short-term rental insurance costs for your Miami property.

What Miami landlords need to know about short-term rental regulations

Miami's short-term rental laws are really two rulebooks, and which one you're under depends on the address. In the City of Miami, short-term rentals are allowed only in certain transect zones and effectively banned in single-family, low-density residential areas. Miami Beach runs a separate and historically much stricter regime of its own.

In the City of Miami, a legal rental usually means the right zoning plus a stack of approvals: a state DBPR vacation-rental license, a Miami-Dade Certificate of Use, and a city Business Tax Receipt. Miami Beach requires its own business tax receipt and resort-tax account, with both numbers printed in every listing.

Miami Beach was famous for fines running from $20,000 up to $100,000, the highest in the country, but a Florida appeals court ruled in 2025 that they exceed the state's $1,000-a-day cap, which has thrown the Beach's rules into flux. Guests owe around 13% in combined state and county lodging taxes, a bit more in Miami Beach.

Learn more about Miami STR regulations