Cobb County requires short-term rental operators to maintain liability insurance of at least $1,000,000. Proof of insurance required at initial permit application and annual renewal under Cobb Code Chapter 106.
Cobb County Short-Term Rental Ordinance (Code Chapter 106) requires STR permit holders to maintain a commercial general liability insurance policy with minimum coverage of $1,000,000 per occurrence covering bodily injury and property damage arising from STR operations. Standard Georgia homeowner policies typically exclude commercial rental activity — transient rentals specifically — so most STR hosts must obtain a commercial policy, home-sharing rider, or specialty STR policy from carriers like Proper Insurance, Slice, or CBIZ. Platform-provided coverage (Airbnb AirCover, VRBO Liability Insurance) is generally NOT accepted as a substitute because it is secondary, subject to claim denials, and does not provide continuous certified coverage. Certificate of Insurance (ACORD form) must be submitted to Cobb Community Development with the permit application naming the permit holder. Policy must remain in force continuously; lapse triggers permit suspension until reinstated.
Operating without required insurance: permit suspension until certified coverage reinstated. Continued operation without insurance: $500 to $1,000 fines and permit revocation. Uninsured incidents expose hosts to personal liability including asset exposure.
Cobb County, GA
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Cobb County, GA
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