Chattanooga requires every short-term rental operator to carry liability insurance and submit proof at permit application, ensuring coverage against guest injury claims under Chapter 38.
Type 1 and Type 2 operators must carry general liability insurance covering the rental use, typically at least 500,000 dollars per occurrence, and provide a certificate of insurance with the permit application. Standard homeowner policies often exclude commercial short-term rental activity, so a rider or commercial policy is usually required. Some platforms such as Airbnb and Vrbo provide host protection that may satisfy the requirement, but operators should verify the certificate names the property and meets Chattanooga's minimum. The Regional Planning Agency tracks renewals annually.
Lapsed or missing insurance is grounds for permit suspension, denial of renewal, and personal liability for any incident during the lapse.
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See how Chattanooga's insurance requirements rules stack up against other locations.
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