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Nashville, TN Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Minimum liability coverage
$1 million per occurrence
Insurance types required
Homeowner's fire, hazard, and liability
Applies to
Owner-occupied and non-owner-occupied STRPs
Enforcing agency
Dept. of Codes Administration
No-permit penalty
$50 per day fine

Summary

Nashville requires STRP permit applicants to submit proof of homeowner's fire, hazard, and liability insurance, with liability coverage of at least $1 million per occurrence.

Proof of insurance evidencing homeowner's fire, hazard, and liability insurance. Liability coverage shall have limits of not less than one million dollars per occurrence.

Source: Metropolitan Code of Nashville and Davidson CountyView official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 53 | Charter: Republication 9).

Full Breakdown

Anyone applying for a Short Term Rental Property (STRP) permit in Metro Nashville and Davidson County must include proof of homeowner's fire, hazard, and liability insurance with the application. Liability coverage must carry limits of not less than one million dollars per occurrence. The requirement applies identically to owner-occupied and non-owner-occupied STRP applications and is enforced by the Department of Codes Administration alongside the notice-to-neighbors and tax-payment requirements in the same application. It reaches STRP permits countywide, since STRP permitting runs through Title 6 business licensing rather than an Urban Services District-only service provision.

Violations & Fines

Operating an STRP without a valid permit, which requires this proof of insurance, draws a $50 fine per day of operation plus a one-year waiting period before the property is eligible for a new permit.

Frequently Asked Questions

Does Nashville require insurance for short-term rentals?
Yes. Every STRP permit application under Metro Code § 6.28.030 must include proof of homeowner's fire, hazard, and liability insurance, with liability limits of at least $1 million per occurrence.
Is the insurance rule the same for owner-occupied and non-owner-occupied rentals?
Yes. Metro Code § 6.28.030 applies the identical proof-of-insurance requirement to both STRP-owner-occupied and STRP-not-owner-occupied permit applications.

Sources & Official References

Other rules in Nashville

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All Nashville rules

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