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

Unlike the working-detector and fire-extinguisher affirmations that sit in the same application list, Glynn County's short-term rental insurance language is advisory. Section 2-31-8(a)(xi) requires an applicant for an Accommodation Excise Tax Certificate to affirm understanding that the county strongly recommends the property owner carry property and renter's liability insurance specifically covering Short-Term Rental use, but the Ordinance does not condition the Certificate, its renewal, or continued operation on actually holding such a policy. Nothing in § 2-31-8's list of application requirements, § 2-31-9's renewal conditions, or § 2-31-10's denial grounds lists a lack of insurance as a reason to deny, and § 2-31-12's suspension and revocation grounds do not mention insurance either.

An owner who skips coverage entirely is not violating the Short-Term Rental Ordinance on that basis alone, though carrying no coverage leaves the owner personally exposed if a guest is hurt or a Local Point of Contact is asked to handle a liability claim. Because the requirement is only an affirmation of understanding, the county is not verifying policies, requesting certificates of insurance, or auditing coverage limits the way it audits accommodation excise tax records under § 2-31-14.