Forsyth County requires short-term rental applicants to show proof of an appropriate insurance policy as part of licensing under Ordinance No. 129, but the county sets no specific coverage dollar minimum. Georgia imposes no statewide STR insurance mandate.
As part of the Forsyth County STR license under Ordinance No. 129, the applicant must provide proof that the rental is covered by an appropriate insurance policy. The county does not codify a fixed coverage amount, leaving the adequacy of the policy to the owner and insurer. Standard homeowner policies typically exclude commercial rental activity, so most hosts add a landlord or dedicated short-term-rental policy; platform host protection from Airbnb or Vrbo may not satisfy the requirement on its own. Georgia sets no statewide STR insurance floor, so this is purely a local licensing condition.
Failing to provide proof of insurance can result in denial, suspension, or revocation of the Forsyth County STR license; a host relying on an excluded homeowner policy also risks personal liability for any guest injury or damage claim.
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