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.
No City of Detroit ordinance mandates a specific STR liability minimum. However, standard Michigan homeowner policies commonly exclude business use including frequent short-term rental. Hosts should carry an endorsement or dedicated commercial short-term rental policy with at least $1,000,000 in general liability. Airbnb AirCover provides up to $1,000,000 host liability coverage as a platform default. VRBO Liability Insurance offers similar protection. Mortgagees and condo associations may impose their own insurance requirements beyond city rules.
Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Detroit code enforcement directly for current fines, enforcement procedures, and hearing options.
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Detroit, MI
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