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

Marietta has not enacted a short-term rental ordinance, so the city imposes no insurance mandate on STR hosts. Cobb County's ordinance, Sec. 78-407 (effective January 1, 2023), governs STRs only in unincorporated Cobb, and even there, subsection (e) - 'Application for short-term rental certificate' - does not require proof of liability insurance among the listed application materials (it lists owner identification, property address, agent contact, agent acknowledgement, parking layout, HOA notification, and adjoining-owner notification, but not a certificate of insurance). Earlier in the rulemaking process a citizen suggested adding a $1,000,000 liability minimum, but that requirement was not adopted in the final ordinance. As a result, Marietta hosts are not required by city or county code to carry STR liability insurance. Practical guidance: standard homeowners policies generally exclude business or short-term-rental use, so most insurers recommend a short-term rental endorsement, a landlord/dwelling policy with STR coverage, or a commercial lodging policy. Airbnb's AirCover for Hosts and Vrbo's Liability Insurance program both provide up to $1,000,000 in secondary host liability coverage on covered bookings, but those are not city-mandated and only apply to bookings made through those platforms. Mortgage lenders and HOAs sometimes impose their own coverage minimums independent of city code.