Insurance Requirements: Marietta vs Smyrna

Does Marietta require Airbnb hosts to carry liability insurance?

No. Marietta has not adopted a short-term rental ordinance and does not require any specific insurance coverage. Cobb County's STR ordinance also does not list a proof-of-insurance requirement in its application checklist.

Will my homeowners policy cover an Airbnb stay?

Usually not. Standard HO-3 homeowners policies typically exclude commercial or short-term rental activity. Most insurers recommend adding a short-term rental endorsement or buying a separate landlord/STR policy. Airbnb's AirCover and Vrbo's Liability Insurance provide secondary coverage up to $1,000,000 on covered bookings, but they are not a substitute for primary coverage and are not required by Marietta or Cobb County code.

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.