DeKalb County STR ordinance requires hosts to maintain liability insurance of at least $1,000,000 per occurrence, or to operate through a platform providing equivalent coverage (Airbnb, VRBO platform liability meets requirement).
DeKalb County Code Chapter 15 Article VII requires STR hosts to carry liability insurance of at least $1,000,000 per occurrence covering guest injuries and property damage arising from the short-term rental. Alternatively, operating exclusively through a hosting platform that provides equivalent liability coverage satisfies the requirement (Airbnb's Host Liability Insurance provides $1M; VRBO's Liability Insurance provides $1M). Proof of insurance must be submitted at STR license application and renewal. Standard homeowner's policies typically exclude commercial rental activity, so most hosts need an endorsement or separate commercial policy. Hosts renting on multiple platforms or directly must carry their own policy meeting the $1M threshold. Claims involving alcohol, pets, or assault may have exclusions.
Operating without required insurance: license denial or revocation, $500-$1,000 fine per day of operation. False insurance attestation: permanent ban from DeKalb STR program.
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