Dunwoody, GA Short-Term Rentals: Insurance Requirements (2026)

The City of Dunwoody does not publish an STR insurance ordinance because the underlying use is prohibited. The Code of Ordinances forbids short-term rentals of single-family and multi-family residences for fewer than 30 days, so Dunwoody does not issue an STR-specific license that could require proof of coverage. Georgia state law also has no STR insurance mandate: O.C.G.A. 48-13-50 et seq. (Hotel-Motel Tax) and O.C.G.A. 48-13-50.3 (the $5 per-night State Hotel-Motel Fee) impose only tax-collection duties, and the 2025 Georgians First Residential Property Protection Act (HB 555) did not enact a statewide STR coverage floor. DeKalb County's 2025 Short-Term Rental Ordinance (TA-24-1246762, adopted July 24, 2025) does ask unincorporated-area operators for proof of insurance such as a declaration page, but that ordinance does not reach properties inside the Dunwoody city limits. Standard Georgia homeowner policies (ISO HO-3 and similar) generally exclude business or commercial use, including transient rental of fewer than 30 consecutive days, so a host operating in violation of the Dunwoody ban is unlikely to receive coverage for a guest injury or property loss. Airbnb's AirCover and Vrbo's platform liability product offer up to $1 million per occurrence but exclude unlawful operations and bookings made outside the platform.