Insurance Requirements: Columbus vs Grove City
How do insurance requirements rules compare between Columbus, OH and Grove City, OH?
Grove City has fewer restrictions than Columbus.
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 →Grove City, OH
Franklin County
Grove City does not mandate STR-specific insurance, but operators should carry commercial liability coverage of at least 500,000 dollars. Airbnb Host Protection and Vrbo Liability Insurance provide 1 million dollars secondary coverage.
View full Grove City rules →Key Facts Comparison
| Fact | Columbus | Grove City |
|---|---|---|
| Columbus | 300K liability required | - |
| Airbnb | AirCover 1M qualifies | 1M secondary |
| County | No mandate | - |
| HO-3 | Excludes commercial | - |
| Proof | At permit application | - |
| City Minimum | - | None specified |
| Recommended | - | 500K-1M liability |
| Homeowner's | - | Usually excludes STR |
| Vrbo | - | 1M secondary |
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.
Grove City FAQ
Who enforces this in Grove City?
Grove City code enforcement at (614) 277-3100 handles complaints.
Who enforces this in Grove City?
Grove City code enforcement at (614) 277-3100 handles complaints.
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