Insurance Requirements: Columbus vs Dublin
How do insurance requirements rules compare between Columbus, OH and Dublin, OH?
Columbus and Dublin have similar restriction levels.
Columbus, OH
Franklin County
Columbus CC 4117 requires Franklin County STR operators inside the city to carry minimum 300,000 dollars liability insurance specifically covering short-term rental use. Airbnb Host Guarantee and AirCover (1 million dollars) typically satisfy this requirement. Unincorporated Franklin County has no county-level insurance mandate but homeowners should confirm their policy covers commercial use.
View full Columbus rules →Dublin, OH
Franklin County
Dublin does not mandate STR-specific insurance, but standard homeowner policies often exclude commercial rental activity. Hosts should carry a short-term rental endorsement or commercial liability policy of at least $1 million. Airbnb and Vrbo host protection plans are supplemental, not primary.
View full Dublin rules →Key Facts Comparison
| Fact | Columbus | Dublin |
|---|---|---|
| Columbus | 300K liability required | - |
| Airbnb | AirCover 1M qualifies | - |
| County | No mandate | - |
| HO-3 | Excludes commercial | Usually excludes STR |
| Proof | At permit application | - |
| City Rule | - | Not required |
| Recommended | - | $1M liability minimum |
| Platform Cover | - | Supplemental only |
| Endorsement | - | STR rider available |
Highlighted rows indicate differences between cities.
Columbus FAQ
Who enforces this in Franklin County?
Franklin County code enforcement at (614) 525-3322 handles most complaints.
Who enforces this in Franklin County?
Franklin County code enforcement at (614) 525-3322 handles most complaints.
Dublin FAQ
Does my Dublin homeowner policy cover Airbnb guests?
Typically no. Standard HO-3 policies exclude commercial rental. Add a short-term rental endorsement or buy a dedicated STR policy before hosting.
Who enforces this in Dublin?
Dublin code enforcement at (614) 410-4400 handles complaints.
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