Miramar Just Lowered the Bar to Enter the Short-Term Rental Market — Here's What It Means for You

On September 3, 2025, the Miramar City Commission unanimously passed Ordinance No. 25-14 — a targeted change to the city's Land Development Code that removes one of the most significant financial barriers for individual property owners who want to enter the short-term rental market.

What the City of Miramar Just Changed

Ordinance No. 25-14 amends Section 405.11 of Miramar's Land Development Code. The ordinance does one thing with a big impact: it removes the prescribed minimum general liability insurance coverage amounts that vacation rental operators were previously required to carry.

Before this ordinance, Miramar required every vacation rental operator to maintain commercial general liability insurance at no less than:

• $2,000,000 per occurrence for bodily injury or death
• $300,000 per occurrence for property damage in the aggregate
• Coverage from an insurer rated A or better (financial quality rating VI or higher) by Best's Rating Guide
• No primary policy deductible exceeding $25,000

For an individual property owner — someone with a single home or condo — these requirements were designed for hotels and commercial hospitality operations, not personal real estate. Meeting them could cost thousands of dollars per year in premiums before a single guest ever walked through the door.

Ordinance No. 25-14 removes those dollar thresholds entirely. Vacation rental operators in Miramar are still required to carry general liability insurance that covers premises operations, personal injury liability, and property damage — but the required coverage amount is no longer dictated by city code. You choose the level of coverage that fits your property and your budget.

Why This Matters for Property Owners

Miramar is one of Broward County's most desirable cities — family-friendly neighborhoods, proximity to Fort Lauderdale and Miami, and strong year-round demand from business and leisure travelers alike. The short-term rental market here has real earning potential.

But the insurance mandate was a meaningful barrier. Many property owners who wanted to enter the STR market looked at the cost of a $2M policy on top of registration fees, platform commissions, and startup costs — and stepped back. The city commission heard that clearly, and the ordinance reflects it. As stated in the city's own legislative findings:

That language matters. The city explicitly designed this change to open the market to more individual owners — people like you.

Lower startup costs mean more property owners can now take the leap, list their homes, and start generating income from a property they already own. That's a real opportunity, and it's available right now.

What You Still Need to Operate Legally in Miramar

This ordinance lowers one barrier — it doesn't eliminate compliance requirements altogether. Before hosting a single guest, every Miramar vacation rental operator must have the following in place:

• 01
  City of Miramar Business Tax Receipt (BTR)
• 02
  Broward County Business Tax Receipt
• 03
  Florida DBPR Vacation Rental License (Chapter 509, Florida Statutes)
• 04
  Florida Sales Tax Certificate (Department of Revenue)
• 05
  General liability insurance — still required; no prescribed minimum under the new ordinance
• 06
  Police Department Registration (Annual) — A Miramar-specific requirement separate from the BTR. A notarized trespass affidavit must be submitted to the City of Miramar Police Department. Registration renews annually by September 30, and a responsible party must be available 24/7. Note: registration fees are waived if a permanent noise monitoring device is installed at the property.

How Kozy At Home Can Help

Whether you're a first-time host or an experienced owner ready to add Miramar to your portfolio, Kozy at Home handles the heavy lifting from day one. We are a licensed, compliant co-hosting and property management company serving South Florida — and we get your property performing the right way.

• Full Compliance Onboarding

  We walk you through every permit, license, and compliance step required by the City of Miramar, Broward County, and the State of Florida. No guesswork. No missed steps.

• Property Assessment & Improvement Plan

  Before we execute any agreement, we deliver a Property Improvement Proposal — a clear, honest assessment of what your property needs to compete and perform at its best.

• Listing Setup & Optimization

  Professional listing creation, photography coordination, dynamic pricing strategy, and multi-platform exposure to maximize your occupancy and revenue.

• Full Co-Hosting Management

  We manage guest communication, check-ins, turnovers, maintenance coordination, and vendor oversight — so your property runs smoothly without running your life.

• Transparent Fee Structure

  Our co-hosting fee starts at 10% of gross booking revenue (nightly rate only) during your first six months. Transparent, simple, and aligned with your success.

This blog is for informational purposes only and does not constitute legal or financial advice. Short-term rental regulations change frequently and vary by municipality. Always verify current local regulations with the City of Miramar and consult a licensed Florida attorney before making any business or investment decision. Ordinance No. 25-14 passed September 3, 2025; verify current code before relying on this summary.