Insurance Requirements: Acworth vs Smyrna

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 Smyrna require Airbnb hosts to carry liability insurance?

Yes. Smyrna's Short-Term Rental Ordinance (Ch. 22, Art. XI) requires proof of liability insurance as part of the STR License application. The published code does not list a specific minimum dollar amount - applicants should call the Smyrna Business License Coordinator at 678-631-5363 to confirm the current acceptable coverage limit.

Will my homeowners policy satisfy Smyrna's STR insurance requirement?

Usually not. Standard HO-3 homeowners policies typically exclude commercial or short-term rental use. Most insurers recommend adding a short-term rental endorsement or buying a landlord/STR policy. Airbnb's AirCover and Vrbo's Liability Insurance provide secondary coverage on covered bookings but generally aren't a substitute for a primary host policy when you submit your COI to the city.