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

Insurance is an explicit, code-mandated condition of a South Fulton STR permit. Section 12-3005(b)(4) requires that, attached to and concurrent with the application, the owner provide 'proof of liability insurance in the amount of at least $500,000.00.' The city's new-application checklist restates this as 'Proof of Insurance at least $500,000,' and the renewal checklist requires 'Proof of Insurance at least $500,000 indicating the property is used as a short-term rental,' so coverage must remain in force and be re-verified each year at renewal. This city requirement is stricter and more specific than Georgia state law, which does not set a fixed STR liability-insurance minimum; the $500,000 floor is South Fulton's own standard. The insurance proof sits alongside the other mandatory attachments in Sec. 12-3005(b): a sworn code-compliance verification form, the written exemplar rental agreement, proof of current ownership, and the STR agent's written certification. Because the permit expires annually (December 30/31) and the renewal checklist re-requires insurance proof, lapsed coverage can block renewal and jeopardize the certificate. Operators using hosting platforms should confirm that platform-provided host protection actually satisfies the $500,000 liability minimum, since the ordinance requires owner-provided proof.