Insurance Requirements: Dublin vs Westerville
How do insurance requirements rules compare between Dublin, OH and Westerville, OH?
Westerville has fewer restrictions than Dublin.
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 →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 | Dublin | Westerville |
|---|---|---|
| City Rule | Not required | - |
| HO-3 | Usually excludes STR | - |
| Recommended | $1M liability minimum | $1M liability minimum |
| Platform Cover | Supplemental only | - |
| Endorsement | STR rider available | - |
| City Requirement | - | None |
| Homeowner Policy | - | Often excludes STR |
| Platform Coverage | - | Airbnb AirCover $1M/$3M |
Highlighted rows indicate differences between cities.
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.
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.
Compare other topics
See how Dublin and Westerville compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool