Rutherford County and Murfreesboro do not impose a local short-term rental insurance mandate. Under Tennessee's STRU Act framework, hosts are generally expected to carry liability coverage, which is often provided through the booking platform.
There is no county or Murfreesboro ordinance setting a specific liability-insurance amount for short-term rentals. Statewide, hosts operating under the Tennessee Short-Term Rental Unit Act are expected to maintain liability insurance appropriate to renting a dwelling, and coverage is commonly satisfied through the booking platform's host protection (for example, Airbnb's or VRBO's liability program) as long as it meets the minimum. Some Tennessee cities set explicit figures in local STR ordinances (Nashville, for instance, requires at least $1,000,000 per occurrence), but Murfreesboro and Rutherford County have not adopted a local number. Hosts should confirm their homeowner policy allows short-term rental use or add a rider.
No local insurance penalty exists. The practical risk is denied claims or personal liability if a standard homeowner policy excludes commercial short-term rental use.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Rutherford County, TN
The county has no ordinance using the word 'hoarding,' but the PAWS Rules make neglect and cruelty unlawful and let officers seize animals kept without adequ...
Rutherford County, TN
The county animal Rules (PAWS) contain no ban on feeding deer, birds, or other wildlife. Wildlife is regulated by the state Tennessee Wildlife Resources Agen...
Rutherford County, TN
Backyard composting is legal in Rutherford County and Murfreesboro; there is no mandatory residential organics-diversion program. A compost pile must not bec...
Rutherford County, TN
No Rutherford County or Murfreesboro ordinance bans residential artificial turf. Synthetic grass is generally allowed on private yards; development landscapi...
Rutherford County, TN
Neither Rutherford County nor Murfreesboro requires homeowners to plant native or drought-tolerant species. Landscaping and buffer plantings are required onl...
Rutherford County, TN
Neither Rutherford County nor the City of Murfreesboro restricts residential rainwater harvesting, and Tennessee places no ban on collecting rooftop rainwate...
See how Rutherford County's insurance requirements rules stack up against other locations.
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