Lima's code does NOT require a short-term rental host to carry liability insurance or name the City as additional insured, because Lima has no STR ordinance. Any coverage is at the host's discretion or through the booking platform's host-protection policy. General building and property-maintenance safety standards still apply.
Insurance mandates for short-term rentals (for example, requiring $500,000 or $1,000,000 in liability coverage, or naming the city as additional insured) appear only in dedicated STR ordinances. Lima has adopted none, so the City imposes no STR insurance requirement, no indemnification agreement, and no additional-insured obligation. In place of an insurance rule, the relevant obligations are life-safety and maintenance standards under the adopted Ohio building and property-maintenance codes (working smoke and carbon-monoxide alarms, safe egress, and habitable conditions) enforced through the City's housing code and the Rental Housing Registration program. Hosts are strongly advised to carry a homeowner's or dedicated short-term-rental policy and to understand any platform host-protection coverage, but that choice is voluntary from the City's standpoint. Ohio law
There is no insurance-related violation because Lima mandates no coverage. Enforcement instead targets safety and maintenance deficiencies (for example, missing smoke or carbon-monoxide alarms) under the housing and property-maintenance code, and failure to register a non-owner-occupied unit under Chapter 872.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lima, OH
Lima has no ordinance banning backyard composting. A tidy compost pile is allowed, but rotting, odorous, or rubbish-strewn accumulations can be cited as a nu...
Lima, OH
Lima has no ordinance specifically permitting or banning artificial turf in residential yards. It is not covered by the weed/grass height rules, but front-ya...
Lima, OH
Lima has no ordinance banning native or naturalized landscaping. Cultivated flowers and gardens are exempt from the weed rules, but any planting must still m...
Lima, OH
Lima has no ordinance banning or licensing residential rain barrels. Ohio law allows private rainwater collection; the state plumbing code governs any indoor...
Lima, OH
Lima has no standing lawn-watering ban or odd/even schedule. The City's Utilities Department draws on roughly 15 billion gallons of reservoir storage, so out...
Lima, OH
Beyond the 8-inch height limit, Lima requires premises free of all noxious or harmful weeds and vines. The Code Official orders cutting within five days; Ohi...
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