Buncombe County does not require short-term rental operators to carry a specific liability insurance policy. Coverage is left to the owner, lender, HOA, and booking platform. Hosts should still confirm adequate liability insurance before renting.
Neither the Buncombe County Zoning Ordinance nor the occupancy-tax rules impose a minimum liability insurance requirement on vacation rental operators. Insurance is governed by the owner's own policy, mortgage lender conditions, any homeowners association rules, and the coverage offered by platforms such as Airbnb or VRBO (for example, host protection programs). The county's regulation of vacation rentals focuses on land-use classification, complex permitting and site standards, plus the 6% room occupancy tax, not on proof of insurance. Because a short-term rental is a commercial use of a home, operators are strongly advised to obtain landlord or short-term-rental liability coverage, since standard homeowners policies often exclude transient-guest claims.
There is no county penalty tied to insurance, as no coverage is mandated. Gaps in coverage are a private financial risk to the owner, not a code violation.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Buncombe County, NC
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