Insurance Requirements: Brookhaven vs Decatur

Does Brookhaven require a specific dollar amount of liability insurance for short-term rentals?

No. Section 27-629(3)(b)(8) requires "proof of insurance for the property" but does not state a minimum coverage figure. Operators submit whatever policy they carry, and the City reviews it as part of the application.

Does my regular homeowner policy satisfy Brookhaven's STR insurance requirement?

Often not on its own. Most standard homeowner policies exclude commercial lodging activity, so operators typically add a short-term rental endorsement or carry a dedicated commercial host policy, sometimes paired with the booking platform's host protection.

Does Decatur, GA require short-term rental hosts to carry insurance?

Yes. The city's short-term rental ordinance requires operators to submit proof of insurance covering use of the property as a short-term rental as part of the annual permit application, validated by the city's contractor Deckard Technologies.

Is there a specific minimum liability amount for Decatur STR insurance?

The published city guidance does not state a specific minimum dollar amount; the requirement is that the policy must cover short-term rental operation. Many hosts carry $500,000 to $1,000,000 in liability through a home-sharing endorsement or a dedicated STR policy.

Can platform-provided coverage like Airbnb AirCover satisfy Decatur's requirement?

Hosts must submit insurance documentation that explicitly covers STR use. Some platform programs may help, but operators should confirm with the Decatur Planning Division (str@decaturga.com) and their insurer that the policy will be accepted at registration.