Brookhaven, GA Short-Term Rentals: Insurance Requirements (2026)

Insurance enters the Brookhaven short-term rental rules through the permit application. Section 27-629(3)(c) says that prior to use of a property as a short-term rental, and annually thereafter, an application for a short-term rental permit must be submitted to the Department of Community Development. Item 8 of the required contents is proof of insurance for the property to be used as a short-term rental.

The insurance item is one of twelve application requirements, and the neighbors on either side of it in the list show what the City reads alongside it. The application also states the number of bedrooms and the applicable overnight and daytime occupancy limit of the unit (item 6), the number and location of parking spaces allotted to the premises (item 7), the owner's agreement to use best efforts so occupants do not disrupt the neighborhood or interfere with neighbors' quiet enjoyment (item 9), and the owner's sworn acknowledgement of having received and reviewed this section and all other laws on short-term rentals (item 10). Item 12 leaves application fees to be established by the city council.

Because the application is annual, the proof of insurance has to be supplied again with each renewal. Section 27-629(3)(e)(1) requires that all short-term rental permits be renewed on an annual basis. A permit also expires on a change of property ownership, so a buyer must apply in their own name and provide their own proof.

The section as printed does not state a required coverage type or dollar amount. It requires the proof to accompany the application and leaves the rest to the permit review by the Department of Community Development. Applicants who want the specifics should ask that department, which the Code authorizes to obtain additional information from the applicant as necessary.