Insurance Requirements: Duluth vs Suwanee
How do insurance requirements rules compare between Duluth, GA and Suwanee, GA?
Duluth has fewer restrictions than Suwanee.
Duluth, GA
Gwinnett County
Duluth does not mandate a specific STR insurance policy. Standard homeowners insurance typically excludes commercial rental activity; operators should carry commercial STR or landlord policy. Airbnb Host Protection is secondary coverage only.
View full Duluth rules →Suwanee, GA
Gwinnett County
Suwanee requires STR operators to carry minimum $1 million liability insurance covering short-term rental use. Standard homeowner's policies typically exclude commercial rental activity.
View full Suwanee rules →Key Facts Comparison
| Fact | Duluth | Suwanee |
|---|---|---|
| City requirement | None specific | - |
| Standard HO | Usually excludes STR | - |
| Recommended | Commercial STR policy | - |
| Airbnb coverage | Secondary only | - |
| Typical limit | $1M liability | - |
| Minimum | - | $1M liability |
| Proof | - | Required at permit |
| Renewal | - | Annual |
| Airbnb | - | AirCover often qualifies |
| Homeowner's | - | Excludes STR use |
Highlighted rows indicate differences between cities.
Duluth FAQ
Does Duluth require STR insurance?
No specific city mandate, but standard homeowners policies typically exclude short-term rental activity. Get a commercial STR rider or dedicated policy.
Is Airbnb AirCover enough?
No. AirCover is secondary — you still need a primary commercial STR or landlord policy to avoid uncovered gaps.
Suwanee FAQ
Does my homeowner's insurance cover Airbnb guests?
Usually no. Most homeowner's policies exclude commercial rental activity. You need a dedicated STR rider or commercial policy.
How much liability insurance do Suwanee STR hosts need?
Minimum $1 million liability coverage specific to short-term rental use. Proof must be submitted with the permit application and renewed annually.
Does Airbnb's AirCover satisfy Suwanee's insurance requirement?
AirCover typically qualifies for platform-only listings. Independent or direct-booking hosts need a commercial STR policy from insurers like Proper or Slice.
Compare other topics
See how Duluth and Suwanee 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