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Lorain County, OH Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

County insurance rule
None
Lorain requirement
Proof of property insurance
When submitted
With Housing License application
Minimum coverage stated
No dollar amount specified
Governing section
Lorain Cod. Ord. 1537.06(a)

Summary

Lorain County imposes no STR insurance rule, but the City of Lorain does: an applicant for a short-term-rental Housing License must submit proof of property insurance as part of the application.

These county ordinances apply to unincorporated areas of Lorain County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

In addition to the aforementioned requirements, applicants obtaining a license for a short-term rental must also provide the following: 1. Proof of property insurance

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: 2025-01: Local legislation current through September 2, 2025 | State legislation current through June 5, 2025).

Full Breakdown

Insurance requirements are set by the city. Lorain Cod. Ord. 1537.06 lists the standard license-application items (owner and agent contact, property address, unit description) and then adds a specific short-term-rental requirement: proof of property insurance. This document must accompany the Housing License application before the Chief Building Official issues the license, alongside the Conditional Use Permit. The code does not specify a minimum coverage dollar amount, so hosts should confirm acceptable limits with the Building, Housing and Planning Department. Other Lorain County cities may set their own insurance terms; check your municipality.

Violations & Fines

An incomplete application lacking proof of insurance will not yield a Housing License, and operating without a license is a first-degree misdemeanor under Cod. Ord. 1537.99.

Frequently Asked Questions

Does Lorain require STR insurance?
Yes. Short-term-rental license applicants must provide proof of property insurance in addition to the standard rental-license application information.
Is a minimum coverage amount set?
The code does not state a dollar minimum. Confirm acceptable policy limits with Lorain's Building, Housing and Planning Department before applying.

Sources & Official References

Other rules in Lorain County

Parking Rules: Overnight ParkingSome RestrictionsParking Rules: Street Parking LimitsSome RestrictionsShort-Term Rental PermitsSome RestrictionsHost Presence RuleSome RestrictionsOccupancy LimitsSome RestrictionsTaxes & FeesSome RestrictionsPrimary-Residence-Only RuleSome RestrictionsNight CapsSome RestrictionsParking Rules: Loading ZonesSome RestrictionsParking Rules: Commercial & Oversized VehiclesSome RestrictionsParking Rules: Driveway RulesSome RestrictionsParking Rules: Abandoned VehiclesSome Restrictions

All Lorain County rules

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