Policy review · Miami-Dade
Does Your Insurance Match How You Actually Rent Your Property?
Renting to guests for a few nights at a time is not the same arrangement as renting to a tenant for a year, and a policy written for one may not have been written for the other. This review is a read of what you hold today, against how you actually rent.
The difference is the length of the stay
Thirty days is the line that matters. Below it, the property is being used a different way, and that is what carriers look at when they write the policy. If your calendar is full of short stays, the question worth asking is whether the policy you have was written knowing that.
Request your review
Ten questions, and three more only if you already have a policy. Nothing you send here commits you to anything.
Why short-term rental owners bring a policy here
Independent agency
Not tied to one company. It compares more than 200 carriers through the We Insure network.
Confirmed by the agency, 2026-08-25
Local to the risk
Brickell, downtown and Miami Beach buildings, hurricane season, and the questions that come up here and almost nowhere else.
One person, start to finish
Romina reads the policy, answers the email and picks up the phone. There is no queue behind her.
How the review works
- 01
You send the form
It takes a few minutes. If something is missing, Romina asks you for it directly rather than sending you back to the form.
- 02
Romina reads what you have
She reads the policy you hold today and lines it up against how the property is actually rented — how long guests stay, and how they book.
- 03
You decide
You get a plain answer about what she found. Changing anything is your call, and often the answer is that nothing needs changing.
What a short-term rental owner should look at
None of this is a statement about what any policy covers — that is set by the policy itself. These are the questions worth asking, and the ones Romina works through with you.
Whether the policy knows about the guests
The first thing to check is whether the carrier was ever told that the property is rented for short stays, and whether that is still what you are doing.
What happens between bookings
A property that sits empty between guests is in a different state than one that is lived in. It is worth asking what your policy says about a property that is vacant part of the time.
Who is responsible while a guest is there
Ask what your policy is expected to do if a guest is hurt, or if a guest damages something. Then ask the same question of any protection your booking platform provides. The two answers come from different places.
What the building says
If the property is a unit in a building, the association's rules and its master policy have their own say. Worth knowing before a renewal, not after.
Local to the risk, not just to the address
Wind, water and age are the three that decide most of what happens to a property in Miami-Dade, and they behave differently here than they do a hundred miles north. An agency that works these buildings every week reads a policy against what actually happens to them.
Thirty days is not a detail. It is the line that changes how the property is looked at.
If you do not live in Miami
Most short-term rental owners are somewhere else, and many of the owners Romina works with are abroad. She works in English, Spanish, Italian and Portuguese, sends and receives everything by email, and schedules calls in the time zone you are actually in.
What this review is not
This page has one job, and it is worth saying what falls outside it. Some of these have a page of their own; one of them is not ours at all.
It is not advice about local short-term rental rules. Those are set city by city across Miami-Dade, they change, and they are a question for your municipality or an attorney — not for an insurance agency.
It is not a long-term rental review. If your tenant has a lease of thirty days or more, the questions are different: the landlord insurance review
It is not about the home you live in. If you live in the property: what a homeowners policy covers
It is not a reading of a condo association's master policy. If the property is a unit in a building: the condo insurance review
Questions owners ask
- What does the review cost?
- Nothing. There is no fee for the review and no charge if you decide to leave everything as it is. The agency is paid by the carrier when a policy is placed, not by you for looking.
- Do I have to change anything afterwards?
- No. A review that ends with you keeping the same policy is a normal outcome, not a wasted one: you know what you have and why.
- What do you need from me to start?
- The form below is enough to start. Do not upload or email documents yet — if Romina needs your declarations page, she asks for it directly.
- Doesn't Airbnb or VRBO already cover this?
- Those platforms offer their own protections, with their own terms, conditions and limits, and those terms are set by the platform. We have not reviewed them and this page does not describe what they include or leave out — you would need to read them yourself, and they can change. What Romina can do is read the policy you hold and tell you what it says about renting to guests. Then you have both halves in front of you.
- I only rent it a few weeks a year. Does that matter?
- Say so in the form — there is an option for exactly that — and Romina will ask what she needs. It is one of the more common answers, not an unusual one.
- When will I hear back?
- Office hours are Monday to Friday, 9:00 a.m. to 5:00 p.m. Eastern. A form sent at night or over a weekend is read on the next working day.
Have your policy read against how you actually rent
It costs nothing, it commits you to nothing, and at the end you will know what you are actually holding.
About this page
Coverage, eligibility and price vary by carrier and by policy. Nothing on this page is an offer of insurance, a statement that any coverage is available to you, or a promise about price. What a policy covers is set by its own terms, and any protection offered by a booking platform is set by that platform's terms, which we do not administer. We Insure Downtown Miami is an independent agency, and a licensed agent confirms what applies to your situation.