Chattanooga's published STVR certificate materials focus on zoning, fees, and posting rather than a stated liability-insurance minimum, and no specific coverage amount is confirmed in the accessible code. Hosts should carry short-term-rental or homeowner liability coverage and confirm any insurance documentation the Land Development Office requires.
The city's STVR application resources spell out the certificate, fee, zoning, and posting requirements but do not publish a fixed liability-insurance dollar figure in the sources reviewed. Because insurance terms can be part of the detailed application checklist, hosts should confirm directly with the Land Development Office (stvr@chattanooga.gov) whether proof of short-term-rental or homeowner liability insurance must accompany the application. Many marketplaces provide host liability protection, but that generally supplements rather than replaces a host's own policy. Unincorporated Hamilton County applicants should verify insurance requirements with Hamilton County Development Services.
Operating without adequate liability coverage does not void the certificate by itself but leaves the host personally exposed to guest-injury and property-damage claims.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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Chattanooga encourages backyard composting and offers free mulch and compost to city residents. No ordinance bans a tidy home compost pile. The city collects...
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No Hamilton County or Chattanooga ordinance specifically bans or requires a permit for residential artificial turf. In required landscape areas of developmen...
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Neither Hamilton County nor Chattanooga requires homeowners to plant native species, and there is no ban on turf lawns. Native and pollinator plantings are e...
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Rainwater harvesting is legal in Tennessee with no state permit or volume limit for non-potable uses like irrigation. Chattanooga actively encourages it, eve...
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Tennessee has no statewide homeowner lawn-watering ban, and neither Hamilton County nor Chattanooga imposes fixed watering days. During drought, Tennessee Am...
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Chattanooga treats weeds like tall grass: grass, underbrush, or weeds must be kept under 10 inches. Overgrown lots are tagged as public nuisances by Code Enf...
See how Hamilton County's insurance requirements rules stack up against other locations.
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