Short-term rental insurance in Atlanta, GA

Homeowners and landlord policies in Atlanta were not written for Airbnb or VRBO hosts, and they typically exclude paying-guest stays. Short-term rental insurance gives you dwelling coverage, liability for injured guests, and income protection for when a covered event halts your bookings.

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I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

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Why you need short-term rental insurance for your Atlanta property

Atlanta’s short-term rental market is thriving thanks to steady tourism, film industry growth, and a strong economy. But with new city regulations, Airbnb hosts and apartment owners must register and follow local zoning and safety requirements.

Without insurance, one guest incident could undo months of earnings. Steadily’s short-term rental insurance helps Atlanta landlords stay protected and compliant, covering property damage, liability, and lost income.

Whether you host one property or several across Atlanta, a short-term rental policy from Steadily protects the parts of the business a homeowners policy quietly excludes.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K to $2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, siding, windows, and wind damage to your rental. See what’s covered, deductibles, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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Why Atlanta's license expects real coverage

Atlanta's ordinance requires hosts to carry liability insurance, even though it doesn't name a dollar figure. The practical problem is that standard homeowner and landlord policies almost always exclude short-term rental activity, so the coverage you already have may not satisfy the requirement or protect you when it counts.

A short-term rental policy is built for the gap. It covers liability when a guest is injured, the dwelling itself, your contents, and the income you lose if a covered event takes the rental offline. That's the coverage that responds when a guest trips on the deck or a kitchen fire spreads, the moments a homeowners carrier points to the commercial-use clause.

With the city tightening enforcement and new rules in play, carrying the right policy keeps you both compliant and covered. Run a quick quote to see what short-term rental insurance costs for your Atlanta property.

Short-term rental rules every Atlanta host should know

Atlanta requires a short-term rental license, about $150 a year, applied for online through the Department of City Planning. The ordinance passed back in 2021, but enforcement kept slipping and didn't really start until March 2023, so a lot of hosts are still catching up to it.

The license is tied to your primary residence, and it lets one operator cover that home plus one additional property, a two-rental cap per person. Whether the second property should be allowed at all has been a running debate, and new legislation to tighten the rules surfaced in early 2026, so this is a corner worth watching.

Guests owe the city's 8% hotel-motel tax plus Georgia's $5-a-night state fee, along with state and county sales taxes. Hosting without a license runs $500 to $1,000 per violation per day, each day counted on its own.