Spring Hill, TN Short-Term Rentals: Insurance Requirements (2026)

Section 20-505(A) of the Spring Hill Municipal Code requires every applicant for a short-term rental permit to submit a complete application to the City Development Services Department, furnished under oath on a form specified by the city. Item (7) of the application list requires proof of insurance on the dwelling unit. The text names no minimum coverage amount, policy type, or additional-insured requirement, so the city form controls what proof is accepted. The requirement applies to a non-conforming short-term rental application too, which must also include documentary evidence supporting that classification.

Insurance is one of several items the application must carry. The others are the owner and agent name, address, telephone number, email address, and consent, documentation that the applicant is the owner or the agent, the hotel-motel occupancy tax certification or registration number under Tenn. Code Ann. §§ 67-4-1401 et seq., a dimensioned site plan, a floor plan with an emergency evacuation plan, and a narrative covering the area rented, bedrooms, guest count, days of operation, trash handling, and cleaning and maintenance.

The application fee is $150 for an owner-occupied short-term rental and $300 for every other non-owner-occupied rental. The Development Director and the Fire Marshal are notified of each application, and the city issues the permit within 30 days of receipt of a complete application if it meets every requirement. Section 20-506(B) adds that false statements or information in the application are grounds for revocation, suspension, or penalties, including denial of future applications. The city's decision is final and reviewable only by writ of certiorari to the Chancery Court of Maury County, Tennessee.