Insurance Requirements: Columbus vs Westerville
How do insurance requirements rules compare between Columbus, OH and Westerville, OH?
Westerville 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 →Westerville, OH
Franklin County
Westerville does not require STR operators to carry specific short-term rental liability insurance. Hosts should carry at least $1 million in liability coverage and verify their homeowner policy does not exclude commercial rental activity.
View full Westerville rules →Key Facts Comparison
| Fact | Columbus | Westerville |
|---|---|---|
| Columbus | 300K liability required | - |
| Airbnb | AirCover 1M qualifies | - |
| County | No mandate | - |
| HO-3 | Excludes commercial | - |
| Proof | At permit application | - |
| City Requirement | - | None |
| Recommended | - | $1M liability minimum |
| Homeowner Policy | - | Often excludes STR |
| Platform Coverage | - | Airbnb AirCover $1M/$3M |
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.
Westerville FAQ
Who enforces this in Westerville?
Westerville code enforcement at (614) 901-6400 handles complaints.
Who enforces this in Westerville?
Westerville code enforcement at (614) 901-6400 handles complaints.
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