Hoover, AL Short-Term Rentals: Insurance Requirements (2026)

Section 6-55(a)(4)(vi) of the Hoover Municipal Code, enacted by Ordinance 23-2592 on February 6, 2023, requires the short-term rental permit applicant to submit a certificate of insurance evidencing current, valid liability coverage in one of two forms: (1) a rider on a homeowner's policy that expressly covers short-term rentals and provides a minimum of one million dollars in liability and personal injury coverage, or (2) a commercial insurance policy covering short-term rentals at the permitted address that provides a minimum of one million dollars in liability and personal injury coverage. The ordinance further requires the policy to provide that it shall not terminate or be cancelled prior to completion of the then-current permit period without thirty days written notice mailed to City of Hoover, Alabama, Attn: City Clerk, 100 Municipal Lane, Hoover, Alabama 35210. Standard Alabama homeowner policies typically exclude commercial or transient occupancy, so most Hoover hosts add a dedicated short-term rental endorsement or purchase a separate commercial STR policy from carriers such as Proper Insurance, Steadily, or Slice. Airbnb's AirCover host liability program and Vrbo's Liability Insurance (each up to $1,000,000 per occurrence on covered platforms) are secondary protection only and do not satisfy Hoover's primary policy requirement, which is filed with the annual permit application along with the deed, ID, parking-space survey, bedroom floor plan, and platform list.