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.
Franklin County, OH
Barking-dog complaints in unincorporated Franklin County are handled under ORC 955.11 (nuisance dog) and ORC 2917.11. The Franklin County Animal Shelter and ...
Franklin County, OH
Franklin County encourages EV charging station installation. Columbus operates over 100 public charging stations through Smart Columbus initiative. Residenti...
Franklin County, OH
Franklin County overnight parking rules vary by jurisdiction. Columbus allows on-street overnight parking except during snow emergencies and permit zones. Su...
Franklin County, OH
Franklin County unincorporated areas follow Ohio Revised Code §4511.66 for street parking. Columbus City Code §2151 governs parking in the city and limits co...
Franklin County, OH
Franklin County prohibits commercial vehicles over 10,000 lbs GVWR from parking in residential zones overnight per Columbus Code §2151.09. ORC §4511.681 regu...
Franklin County, OH
Franklin County driveways require permits from Franklin County Engineer for county road access or from municipal engineering for city streets. Columbus Code ...
See how Franklin County's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.