Knoxville requires short-term rental operators to maintain liability insurance covering commercial-style transient lodging use, with proof submitted at permit application and renewal under Chapter 8 STR rules.
Operators applying for Type 1 or Type 2 STR permits in Knoxville must submit proof of liability insurance that covers transient lodging activity rather than relying solely on a standard homeowner policy. Many platforms offer host-protection riders, but Knoxville expects coverage independent of platform. Coverage must remain active throughout the permit term, and lapses can void the permit. Operators are encouraged to confirm in writing that their insurer treats short-term rental income as a covered commercial activity.
Permit applications without proof of insurance are rejected. Coverage lapse during the permit term can trigger suspension and a re-inspection requirement before reinstatement.
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