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

Unlike cities such as Savannah or Atlanta that embed insurance requirements in their STR permit ordinances, Snellville's code does not impose a minimum insurance floor for short-term rentals. Most standard homeowner policies in Georgia - including those written by State Farm, Allstate, and Farmers - exclude or substantially limit coverage for commercial rental activity, meaning a claim arising from an Airbnb or VRBO guest could be denied. Hosts should either add a short-term rental endorsement/rider (commonly $200-$500 annually) or obtain a dedicated STR policy from carriers such as Proper Insurance, Slice, or CBIZ. Platform coverage - Airbnb's AirCover for Hosts (up to $1 million liability plus $3 million property damage protection) and VRBO's Liability Insurance - is secondary to a host's own policy and has exclusions for intentional acts, certain pet damage, and business-related losses. For standard industry alignment, carrying at least $1 million per-occurrence liability is recommended. If the property is held in an LLC, lenders and mortgage servicers often require their own coverage minimums under the deed of trust.