Greensboro, NC Short-Term Rentals: Insurance Requirements (2026)

Under the Greensboro short-term rental ordinance, operators must provide documentation of liability insurance as part of the zoning permit application process. The insurance must cover short-term rental usage and guests at the property. Short-term rental operators are also required to comply with all applicable state and local laws, including minimum housing, building, and fire codes. While many North Carolina municipalities require a minimum of $1,000,000 in general liability coverage for STR operations, property owners should verify the specific coverage amount required by contacting the Greensboro Planning Department. In addition to city requirements, platforms like Airbnb and VRBO offer their own host protection insurance programs, though these are supplemental and should not be relied upon as the sole coverage. Operators should ensure their homeowner's insurance policy either covers short-term rental activity or obtain a separate short-term rental insurance policy. The insurance documentation must be current at the time of permit issuance.