Lucas County sets no STR insurance rule, but Toledo's Chapter 702 requires proof of general liability insurance of at least $1,000,000 to obtain a short-term rental operating permit.
Insurance for short-term rentals is a municipal requirement in Lucas County. The City of Toledo requires applicants to submit proof of general liability insurance with coverage of $1,000,000 as part of the Chapter 702 permit application. Without this proof the operating permit will not be issued. Lucas County itself imposes no liability-insurance mandate, and other Lucas County cities and townships may or may not require coverage. Even where not mandated, hosts are strongly advised to carry short-term-rental-specific liability coverage, since standard homeowner policies often exclude commercial rental activity.
Lacking the required $1,000,000 proof blocks or invalidates a Toledo permit; operating without a valid permit is fined $100 per week, up to $500.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Lucas County's insurance requirements rules stack up against other locations.
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