Duluth does not mandate a specific STR insurance policy. Standard homeowners insurance typically excludes commercial rental activity; operators should carry commercial STR or landlord policy. Airbnb Host Protection is secondary coverage only.
Duluth's STR ordinance (enacted to govern short-term rental activity under Chapter 18 occupation tax provisions) does not require operators to prove a minimum liability insurance limit, unlike cities such as Savannah or Atlanta that require $1M per occurrence. However, Georgia insurance carriers routinely void claims filed against standard HO-3 homeowners policies where the loss arose from a paying-guest arrangement. Operators should obtain a commercial short-term rental policy (e.g., Proper Insurance, CBIZ, or a landlord HO-6) with at least $1,000,000 in commercial general liability. Airbnb's AirCover Host Damage Protection and Host Liability Insurance ($1M) apply as secondary/excess coverage over the host's primary policy. HOAs in Duluth (Sugarloaf, St. Marlo) may require additional liability certificates naming the association.
No city citation for missing insurance; however, uninsured losses are borne by the operator and HO carrier may deny claims.
Duluth, GA
Construction noise typical Duluth hours 7 AM-7 PM weekdays, 9 AM-6 PM Saturdays, prohibited Sundays and holidays. Emergency repairs exempt. Verify active hou...
Duluth, GA
Duluth Code of Ordinances Chapter 34 (Offenses) prohibits unreasonable noise audible beyond property lines. Quiet hours typically 11 PM-7 AM weekdays, midnig...
Duluth, GA
Amplified music audible beyond 50 feet from source in residential areas or after quiet hours violates Duluth noise ordinance. Downtown Duluth amphitheater an...
Duluth, GA
Abandoned vehicles regulated under state law GA Code §40-11-1+ (10 days on public property). Duluth Code Compliance enforces removal of inoperable or abandon...
Duluth, GA
RVs, boats, trailers, and campers may NOT be stored in front yards or driveways visible from the street in residential zones. Must be parked in rear yard, si...
Duluth, GA
Residential driveways must be paved (concrete, asphalt, or pavers) and meet zoning district setback requirements. Curb cuts require a permit from Duluth Publ...
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