Insurance Requirements: Austin vs Nashville
How do insurance requirements rules compare between Austin, TX and Nashville, TN?
Nashville has fewer restrictions than Austin.
Austin, TX
Travis County
Austin STR licensees must carry at least $1 million in liability coverage specifically endorsed for short-term rental use, per City Code Chapter 25-2 Subchapter E. Proof of insurance is submitted with the annual license application and must remain in force throughout the license term.
View full Austin rules →Nashville, TN
Davidson County
Metro requires every STR permit applicant to carry at least one million dollars in liability coverage applicable to short-term rental use, with a certificate of insurance submitted at application and renewal under Metro Code 17.16.250.D.
View full Nashville rules →Key Facts Comparison
| Fact | Austin | Nashville |
|---|---|---|
| - | - | |
| Minimum coverage | - | $1 million liability |
| Filed at | - | Application and renewal |
| Code section | - | 17.16.250.D |
| Platform policy okay | - | If certificate names host |
Highlighted rows indicate differences between cities.
Austin FAQ
Nashville FAQ
Does Airbnb host protection satisfy the requirement?
Yes if you can produce a written certificate showing one million dollars in coverage tied to the property. Verbal program descriptions do not satisfy Metro.
What if my policy lapses mid-year?
Notify Metro Codes immediately and pause bookings. Operating uninsured is a strike that counts toward the three-violation revocation threshold.
Compare other topics
See how Austin and Nashville compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool