Short-Term Rentals

What insurance do I need for a Keys rental property?

By Steve Conley

Short Answer

Rental property insurance in the Keys should include flood insurance, windstorm coverage, liability protection, and loss of rental income coverage. Standard homeowners policies may not cover rental activities, so a specialized landlord or rental property policy is recommended.

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

A standard homeowner policy will not cover rental activity. You need a landlord or short-term rental policy that covers guest injuries, property damage during rentals, and loss of rental income. This is not optional -- it is essential.

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More questions in Short-Term Rentals

Can I rent my Keys home as a short-term vacation rental? What is the 28-day minimum rental rule in Monroe County? Which Keys cities allow 7-day vacation rentals? How do I get a vacation rental license in the Keys? What are the tax implications of renting my Keys home? Can I rent my Keys condo on Airbnb or VRBO? How much income can a Keys vacation rental generate? What are the HOA rules for short-term rentals? How do seasonal rentals differ from short-term? Do Vacation-Rental Restrictions Affect My Home's Value?

Ready to Take the Next Step?

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