Insurance Requirements: Decatur vs Dunwoody

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.

Does Dunwoody require liability insurance for an Airbnb?

No. Dunwoody does not require STR liability insurance because the underlying use is prohibited - the Code of Ordinances bans rentals of single-family and multi-family residences for fewer than 30 days, so there is no STR license or permit on which a coverage minimum could be conditioned.

Will my homeowner policy cover guests in a Dunwoody short-term rental?

Almost certainly not. Standard Georgia homeowner policies (ISO HO-3 and similar) exclude business or commercial activity, including rentals of fewer than 30 consecutive days. A claim arising from an STR that violates Dunwoody's prohibition would likely be denied for both the business-use exclusion and the unlawful-act exclusion.

Does the 2025 DeKalb County STR insurance rule apply in Dunwoody?

No. DeKalb County's 2025 Short-Term Rental Ordinance, which asks for proof of insurance such as a declaration page, applies only to unincorporated DeKalb County. Properties inside the City of Dunwoody are governed by Dunwoody's Chapter 27 prohibition on rentals of fewer than 30 days.