Insurance Requirements: Detroit vs Westland
How do insurance requirements rules compare between Detroit, MI and Westland, MI?
Detroit and Westland have similar restriction levels.
Detroit, MI
Wayne County
Detroit does not require STR-specific liability insurance by ordinance. Hosts should verify that homeowner or landlord policies explicitly cover commercial short-term rental activity.
View full Detroit rules →Westland, MI
Wayne County
Westland does not mandate specific STR insurance, but operators should carry commercial short-term rental coverage or a homeowner endorsement since standard policies often exclude paying guests.
View full Westland rules →Key Facts Comparison
| Fact | Detroit | Westland |
|---|---|---|
| City Requirement | None | - |
| Recommended Minimum | $1,000,000 liability | - |
| Airbnb AirCover | $1M host liability included | - |
| Governing State Law | MCL 500.2101 et seq. | - |
| City mandate | - | None specific to STRs |
| Recommended liability | - | 1 million dollars minimum |
| Homeowner policy | - | Often excludes rentals |
| Platform coverage | - | Supplemental only, not primary |
| HOA check | - | MCL 559 Condo Act may add rules |
Highlighted rows indicate differences between cities.
Detroit FAQ
Westland FAQ
Does Airbnb AirCover replace my insurance?
No, AirCover supplements but does not replace a primary commercial or endorsed homeowner policy.
What if my HOA requires more coverage?
Under MCL 559 condo bylaws can require specific insurance; comply or face assessment charges.
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