South Fulton, GA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Governing section
- § 12-3005(b)(4)
- Insurance minimum
- $500,000.00 liability
- Submitted with
- Permit application package
- Also required
- Code compliance verification form
- Review timeline
- 45 days once complete (§ 12-3007)
- Enacted
- Ord. No. 2025-011, 4-22-2025
Summary
South Fulton requires every short-term rental applicant to prove liability insurance of at least $500,000.00 before the city will issue a permit. The proof must be submitted with the rest of the application package under Section 12-3005(b), alongside a code compliance form and proof of ownership.
(b)Attached to and concurrent with submission of the application described in this section, the owner shall provide:(1)The owner's sworn code compliance verification form;(2)A written agreement, which shall consist of the form of document to be executed between the owner and occupant(s)... (3)Proof of the owner's current ownership of the short-term rental unit;(4)Proof of liability insurance in the amount of at least $500,000.00; and(5)A written certification from the short-term rental agent that he or she agrees to perform the duties specified in this chapter.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 13 Update 1).
Full Breakdown
00. The application package must also include a written certification from the designated short-term rental agent agreeing to perform the chapter's duties. None of these attachments is optional: Section 12-3004(a) makes operating a short-term rental without first obtaining the permit unlawful, and the permit application cannot be treated as complete without the insurance proof and the other required attachments under Section 12-3005(b). The insurance requirement sits alongside the occupant agreement's separate acknowledgment, required under subsection (b)(2)(b), that it is unlawful for guests to make noise exceeding the city's noise ordinance limits, tying the insurance and conduct protections together in the same application.
00 proof of insurance is one of the gaps that would keep an application from being deemed complete and moving toward approval. This insurance requirement was enacted as part of the current short-term rental chapter by Ordinance No. 2025-011 on April 22, 2025, replacing the former Chapter 3 that had governed short-term rentals since 2018.
Violations & Fines
A South Fulton short-term rental application that omits the $500,000.00 proof of liability insurance required by Section 12-3005(b)(4) is incomplete and cannot move forward for city manager review and approval under Section 12-3007. Operating a short-term rental without the underlying permit, which the insurance proof helps establish, is separately unlawful under Section 12-3004(a) and subject to escalating fines under Section 12-3009(d).
Frequently Asked Questions
How much liability insurance does South Fulton require for short-term rentals?
Can I get a South Fulton short-term rental permit without insurance proof?
Is the insurance requirement new for South Fulton short-term rentals?
Sources & Official References
Other rules in South Fulton
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