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.
Standard homeowners policies (HO-3) generally exclude business or commercial use; operators should obtain commercial STR endorsement or dedicated STR policy (Proper, Slice, CBIZ). Columbus requires proof of insurance at permit application and renewal. Dublin, Westerville, and Upper Arlington do not mandate insurance but strongly recommend it. HOAs in Franklin County may require additional liability coverage under CC and R documents.
Columbus STR without required insurance: permit denial or revocation, 500 dollars per day of continuing operation without valid permit. Uninsured incident: personal liability exposure, potential loss of homeowners coverage.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Columbus, OH
Columbus Fire Code Title 25 incorporates the International Fire Code Chapter 61 governing propane and LP-gas storage. Residential cylinders are limited in si...
Columbus, OH
Columbus has no city ordinance regulating year-round lawn ornaments, statuary, or religious displays at single-family properties. The Title 33 Graphics Code ...
Columbus, OH
Columbus has no zoning, building, or graphics-code provision specifically regulating residential inflatable holiday displays. The Title 33 Graphics Code exem...
Columbus, OH
Columbus has no city ordinance restricting when residents may install or must remove holiday lights at single-family homes. The Columbus Graphics Code (Title...
Columbus, OH
Built-in outdoor kitchens in Columbus require permits from the Department of Building and Zoning Services when they involve gas-line extensions, electrical w...
Columbus, OH
Columbus has no ordinance specifically targeting backyard smokers, pellet grills, or wood-fired ovens at single- or two-family homes. General nuisance provis...
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