Metro Nashville requires STRP operators to carry minimum $1,000,000 liability insurance per Metro Code §6.28.030.E. Proof required at permit application and annual renewal.
Metro Code of Laws §6.28.030 (Short Term Rental Property permits) requires applicants to maintain liability insurance of at least $1,000,000 covering the short-term rental use. Airbnb Host Protection and VRBO Liability Insurance may satisfy this requirement if they provide documented per-occurrence coverage at that limit. Standard Tennessee homeowner policies commonly exclude commercial rental activity, so a surplus lines endorsement or dedicated STR policy is typically required. Proof of insurance must be uploaded with the annual STRP permit renewal through Codes Department and kept current throughout operation. Lapse in coverage is grounds for permit revocation.
Operating without required coverage: permit denial or revocation under §6.28.030.H. Civil penalty up to $50 per day (Metro general penalty). Host remains personally liable for uninsured guest claims.
Davidson County, TN
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Davidson County, TN
Metro Code §12.40.120 allows removal of vehicles parked on public streets over 72 hours. Inoperable vehicles on private property must be enclosed or screened...
Davidson County, TN
Metro Nashville requires 48-inch minimum pool barriers per IRC Appendix G as adopted. Self-closing, self-latching gates with latch 54 inches above grade. Ins...
Davidson County, TN
Metro Nashville requires a building permit for retaining walls over 4 feet measured from bottom of footing to top of wall, or any height with surcharge. Engi...
Davidson County, TN
Metro Nashville allows backyard hens in most residential zones without a specific permit cap, but prohibits roosters under the general noise/nuisance ordinan...
Davidson County, TN
Davidson County has no designated wildfire hazard zones or defensible space requirements. TN Division of Forestry manages statewide wildfire response. Outdoo...
See how Davidson County's insurance requirements rules stack up against other locations.
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