Metro requires every STR permit applicant to carry at least one million dollars in liability coverage applicable to short-term rental use, with a certificate of insurance submitted at application and renewal under Metro Code 17.16.250.D.
Standard homeowner policies typically exclude commercial activity, so Nashville STR hosts must obtain a rider, a dedicated STR policy, or rely on platform-provided coverage that meets the one-million-dollar threshold. Metro Codes accepts AirCover-style aggregator policies if the certificate names the host and property address. Insurance lapses are flagged when Metro runs annual permit renewals; expired coverage is grounds for immediate suspension. Type 2 owners in commercial zones often need a higher commercial general liability tier because lender or HOA documents impose stricter limits than the Metro minimum.
Permit suspension until proof of compliant insurance is filed; operating without coverage is a Class C civil violation with fines up to fifty dollars per day of operation while uninsured.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Nashville, TN
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