Insurance Requirements: Acworth vs Kennesaw

Does Acworth require Airbnb hosts to carry liability insurance?

No. The City of Acworth Short-Term Rental Occupational Tax Application does not ask for proof of liability insurance, and Section 73-7.8.4 of the zoning ordinance does not set a dollar minimum. Georgia has no statewide STR insurance mandate either. Confirm any current changes with the Business License Division at 770-917-8903.

Will my regular homeowners insurance protect my Acworth STR?

Usually no. Standard homeowner policies typically exclude commercial or short-term rental activity, which is why hosts add a short-term rental endorsement or buy a dedicated landlord/STR policy. Airbnb's Host Liability and Vrbo's Liability Coverage (up to $1,000,000 per occurrence on covered platforms) offer secondary protection but are not a substitute for primary coverage.

Does Kennesaw require liability insurance for an Airbnb?

Yes. Chapter 22, Article XIII requires every Short-Term Rental Certificate applicant to submit proof of short-term-rental liability insurance. The published application checklist does not list a specific dollar minimum, so carriers' standard $1 million per occurrence STR product typically satisfies the requirement.

Will my homeowner policy meet Kennesaw's STR insurance requirement?

Usually not. Standard Georgia homeowner forms exclude commercial or transient rental use under 30 days. The Business License Office expects a dedicated short-term rental, vacation rental, or commercial general liability policy that covers transient lodging.

Is Airbnb's host protection enough for Kennesaw?

AirCover for Hosts provides up to $1 million per occurrence but only for bookings made through Airbnb and with significant exclusions. Hosts using multiple platforms or direct bookings should carry a stand-alone STR or commercial general liability policy to satisfy the certificate requirement.