Policy review · Miami-Dade
Does your policy match how you actually rent?
Renting to guests for a few nights isn't the same as renting to a tenant for a year, and a policy written for one may not fit the other. This review reads what you have now against how the property is actually used.
The difference is how long they stay
Thirty days is the line. Below it the property is being used differently, and that's what carriers look at when they write the policy. If your calendar is full of short stays, the question is whether the policy was written with that in mind.
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Review my rental coverageWhy short-term rental owners come here
Independent agency
Not tied to any one company. Compares more than 200 carriers through the We Insure network. What matters here is whether the policy was written for guests who stay a few nights.
The agency's own count
Local knowledge
Brickell, Downtown, Miami Beach, and hurricane season: the questions that come up here and almost nowhere else.
One person, start to finish
Romina reads the policy, answers the email, and takes the call. Nothing gets handed off.
How the review works
- 01
You answer the questions
A few minutes. If something is missing, Romina asks you directly instead of sending you back to start again.
- 02
Romina reads what you have
She reads the current policy against how the property is rented: how long guests stay and how they book.
- 03
You decide
You get a plain answer with what she found. Whether anything changes is your call, and often the answer is that nothing needs to.
What's worth checking as a short-term rental owner
None of this defines what a policy covers; that's in the policy itself. These are the questions worth asking, and the ones Romina goes through with you.
Does the policy know there are guests?
The first thing to check is whether the carrier was told the property is rented for short stays, and whether that's still how it's used.
What happens between bookings?
A property sitting empty between guests is in a different situation than one that's occupied. Worth asking what the policy says about a property that's vacant part of the time.
Who answers while a guest is there?
What the policy is expected to do if a guest is hurt or causes damage. Then the same question about whatever protection the booking platform offers. Those answers come from different places.
What does the building say?
If the property is a unit in a building, the association rules and the building's own policy have their own terms. Worth knowing before a renewal rather than after.
The risk is local
Wind, water, and age are what move a property's condition in Miami-Dade, and they behave differently here than a hundred miles north.
Thirty days isn't a technicality. It's the line that changes how the property is read.
If you don't live in Miami
Most short-term rental owners are somewhere else, and a good part of the ones Romina works with are abroad. She works in English, Spanish, Italian, and Portuguese, sends and receives everything by email, and schedules calls on your time zone.
Guests by the night, and nothing past that
Guests who stay nights instead of months, and a listing on a platform. What falls beyond those two facts goes elsewhere, and part of it isn't an insurance matter at all:
It doesn't advise on local short-term rental rules. Those vary by municipality within Miami-Dade, they change, and they're a question for your city or an attorney rather than an insurance agency.
It isn't a long-term rental review. If your tenant has a lease of 30 days or more, the questions are different: the landlord insurance review
It isn't about the property you live in. If you live there: what a homeowners policy covers
It isn't a guide to a condo association's master policy. If the property is a unit in a building: the condo insurance review
It isn't a map of the four situations. If you're not sure which review fits: the four policy reviews
Questions from owners
- Don't Airbnb or VRBO already cover this?
- Those platforms offer their own protections, with their own terms, conditions, and limits, set by the platform. We haven't reviewed them, and this page doesn't describe what they include or exclude — you'd need to read them yourself, and they can change. What Romina can do is read your policy and tell you what it says about renting to guests, so you know which side of that line you're on.
- I only rent it a few weeks a year. Does that matter?
- Tell Romina when she gets back to you and she'll ask what she needs. It's one of the more common answers, not an unusual one.
- I rent to the same guest for two months. Is that still short-term?
- Not always. Your policy is what says when a stay counts as short-term and when it starts to look like a lease, and the answer decides which review fits. This page is for stays of a few nights; the landlord review is for leases.
- Who answers if a guest damages something?
- That depends on what your policy says about guests, and it is exactly the kind of sentence worth finding before you need it. The review points to where your policy answers it.
Have your policy read against how you actually rent
It costs nothing, it commits you to nothing, and at the end you know what you're covered for.
About this page
Coverage, requirements, and pricing vary by carrier and by policy. Nothing on this page is an offer of insurance, a statement that you have access to any coverage, or a promise about price. What each policy covers is governed by its own terms, and any protection a booking platform offers is governed by that platform's terms, which we don't administer. We Insure Downtown Miami is an independent agency, and a licensed agent confirms what applies to your situation.