Dearborn, MI Short-Term Rentals: Insurance Requirements (2026)

" The ordinance does not set a specific minimum coverage amount; it requires only the owner's sworn certification that coverage exists, sitting alongside neighboring items in the same subsection: (b)(9) certifies a working fire extinguisher, and (b)(11) certifies the property is not in violation of the city's Code, Zoning Ordinance, or state or federal housing law and is habitable. All sixteen items in § 11-314(b), including owner and local-agent identification, STR type, bedroom count, smoke/carbon-monoxide certification, insurance, no city-debt certification, consent to inspection, the application fee, and signatures, are reviewed by the Department of Economic Development before a certificate issues.

" Owners must notify the director in writing within 14 calendar days of any change to the information on the application, per § 11-314(f), which would include a lapse or change of insurer. Because the certificate is valid for three years under § 11-315(a) and terminates automatically upon a sale of the property under § 11-315(b), the sworn insurance certification is refreshed at each three-year renewal cycle rather than checked continuously.