Insurance Requirements: Acworth vs Marietta

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 Marietta require Airbnb hosts to carry liability insurance?

No. Marietta has not adopted a short-term rental ordinance and does not require any specific insurance coverage. Cobb County's STR ordinance also does not list a proof-of-insurance requirement in its application checklist.

Will my homeowners policy cover an Airbnb stay?

Usually not. Standard HO-3 homeowners policies typically exclude commercial or short-term rental activity. Most insurers recommend adding a short-term rental endorsement or buying a separate landlord/STR policy. Airbnb's AirCover and Vrbo's Liability Insurance provide secondary coverage up to $1,000,000 on covered bookings, but they are not a substitute for primary coverage and are not required by Marietta or Cobb County code.