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

The insurance rule is one line in section 22-345(b) of the Smyrna Code of Ordinances, and it works as a filing condition. Section 22-345(a) requires an application on an annual basis, furnished under oath on a city form with a non-refundable fee from the city's fee schedule. Section 22-345(b) then says that attached to and concurrent with the application the owner shall provide four items: the owner's sworn code compliance verification form, proof of current ownership of the short-term rental unit, proof of liability insurance in the amount of at least $500,000.00, and a written certification from the short-term rental agent agreeing to perform the chapter's duties. A fifth item, evidence of certified mail notice to each contiguous property, follows in the same subsection.

Because the proof must accompany the application, an applicant without it has not filed a complete application. Section 22-347 has the city administrator or a designee review complete applications within 30 days and grant them unless the applicant fails to meet any of the conditions and requirements of the chapter. Section 22-347 also treats false statements or information in the application as grounds for denial, revocation, suspension and penalties, including denial of future applications, so a misstated policy amount carries consequences beyond a rejected form. The sections read for this page set the dollar figure only. They do not name a policy type, and the licensee's separate duties, such as the code compliance certification in section 22-343 and the maintenance and inspection duty in section 22-348(c), are independent of the insurance filing.

The application is signed under oath, and the owner also swears to having received and reviewed the chapter. The Community Development Department issues the license.