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Akron, OH Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions

Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Insurance minimum: $1,000,000 general liability
Governing section: Akron City Code §111.622(B)(8)
Application fee: $250, nonrefundable
Registration term: One year, renews by Jan. 31
Missing proof: Grounds for denial under §111.622(D)(1)
Unregistered rental fine: $100/week, up to $4,500/year

Summary

Akron will not issue a short-term rental registration certificate unless the operator proves general liability insurance of at least one million dollars. City Code Section 111.622(B)(8) lists that proof among thirteen required application items, alongside owner contact information, a site plan, and evidence of compliance with the city's rental registry and life-safety rules.

In addition to any additional information or paperwork required by the Director, the operator's application shall provide all of the following information and documentation required by subsections (B)(1)—(12) except where clearly inapplicable...8.Proof of general liability insurance in the amount of at least one million dollars.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 64).

Full Breakdown

622, no one may operate or advertise a short-term rental in the city without a registration certificate, and the annual application filed with the Director must include "proof of general liability insurance in the amount of at least one million dollars" as item (B)(8) of the required package. 624; a basic site plan showing sleeping rooms; and a $250 nonrefundable application fee. 623. 622(D)(1) lets the city deny a registration outright whenever "the applicant failed to provide all required application materials," which covers a missing or expired insurance certificate. 629, not just a paperwork rejection.

Violations & Fines

Missing or incomplete insurance proof gets an application denied under Section 111.622(D)(1) before a certificate ever issues. Operating or advertising a short-term rental without the resulting registration violates Section 111.622(A) and triggers Section 111.629's penalties: administrative fines of $100 for a first offense, $500 for a second, and $1,000 for a third, plus $100 per week (capped at $4,500 a year) for an unregistered rental, on top of possible misdemeanor charges and certificate revocation.

Frequently Asked Questions

How much liability insurance does an Akron short-term rental need?

Akron City Code Section 111.622(B)(8) requires proof of general liability insurance of at least one million dollars before the city will issue a short-term rental registration certificate. The proof is submitted with the annual application alongside owner information, a site plan, and the required life-safety affidavit under Section 111.624.

What happens if I forget to include proof of insurance with my application?

Section 111.622(D)(1) authorizes the city to deny a registration certificate whenever the applicant failed to provide all required application materials, and proof of general liability insurance is one of the mandatory items under 111.622(B)(8). Without it, the Director can reject the application entirely rather than issue a conditional certificate.

Do I need to prove insurance again when I renew my Akron short-term rental registration?

Yes. Section 111.623 requires operators to apply for renewal between one hundred eighty and sixty days before expiration, and Section 111.622(C) makes every registration valid for only one calendar year, so the full application package, including the one-million-dollar insurance proof, must be resubmitted each year.

Sources & Official References

[1]Akron City Code § 111.622 - Registration required (Municode)

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