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

The Johns Creek Code of Ordinances does not require short-term rental operators to carry a specified amount of liability insurance or to file proof of coverage, because there is no STR licensing or registration program to attach such a condition to. Cities that regulate short-term rentals often require, for example, $500,000 or $1,000,000 in liability coverage as a permit condition; Johns Creek has no comparable provision because it does not authorize residential short-term rentals in the first place. The bed and breakfast Use Permit standards in Section 19.4.8 address guest-room counts, owner occupancy, parking, access, buffers, and signage, but they do not state an insurance figure in the text reviewed. As a practical matter, anyone operating any lodging should still carry appropriate commercial or landlord coverage, because standard homeowner policies typically exclude business or transient-rental use, and major listing platforms provide their own host liability programs. None of that is a city legal requirement, however. Because the controlling issue in Johns Creek is whether the rental use is permitted at all, hosts should resolve the zoning question with Community Development before worrying about insurance, and should confirm with their own insurer that any lawful B&B or longer-term rental use is properly covered.