Atlanta short-term rental licensees must maintain liability insurance of at least $1,000,000 per occurrence covering the rental activity. Proof must be provided at application and kept current.
Atlanta's STR ordinance under Ch. 30, Art. VIII requires hosts to carry commercial or endorsed homeowner liability coverage with a minimum of $1,000,000 per occurrence. Platform-provided coverage, such as Airbnb's AirCover or Vrbo's liability program, generally satisfies the requirement if it is primary coverage at the required limit. A certificate of insurance or platform documentation must be submitted with the license application and maintained throughout the license term. Hosts operating outside of major platforms must secure a standalone STR or home-sharing policy because most standard homeowner policies exclude commercial rental activity.
Missing or lapsed insurance is a license violation. Licenses may be denied, suspended, or revoked under Ch. 30, Art. VIII.
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