Showing ordinances that apply to Lake Darby, OH
Lake Darby is an unincorporated community (population 4,731) in Franklin County, Ohio. Because Lake Darby is not an incorporated city, it does not have its own municipal code. Instead, Franklin County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
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.
See how Lake Darby's insurance requirements rules stack up against other locations.
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