A Chatham County short-term rental must carry homeowner's or other structural insurance at least equal to the value of the structure or $300,000, and the declarations must list the unit as a rental property. Savannah and Tybee also require proof of STVR-specific insurance.
Section 16-1304(1)(l) requires coverage at least equal to the structure's value or $300,000, whichever applies, with the insurance declarations naming the unit as a rental. Proof is submitted with the license application and re-affirmed at renewal. The City of Savannah requires proof of insurance indicating the premises are used as a short-term vacation rental for both new and renewing applications. Standard homeowner policies often exclude commercial rental activity, so operators typically add a short-term-rental endorsement or a commercial policy to satisfy these rules.
Failing to maintain required insurance breaches the ongoing license conditions of §16-1304 and can support license suspension or revocation (§16-1308).
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Chatham County, GA
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