Ohio Revised Code 3937.18 and related insurance code provisions govern liability coverage for home-sharing activities, while ORC 3905.01 regulates insurance producers uniformly statewide rather than allowing local insurance mandates.
Ohio's regulation of insurance products and producers is exclusively reserved to the Ohio Department of Insurance under ORC Title 39. Standard homeowners policies in Ohio typically exclude commercial use of a residence, which can include short-term rental activity. While Ohio has not enacted a dedicated home-sharing insurance statute like California, the Department of Insurance has issued guidance recommending hosts obtain commercial coverage or confirm host-protection programs offered by platforms. Municipalities cannot mandate specific insurance products; only the Superintendent of Insurance may approve policy forms under ORC 3935.04.
Selling unauthorized insurance is felony under ORC 3905.99; civil penalties for improper claims handling.
See how Liberty Township's insurance requirements rules stack up against other locations.
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