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.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Newark, OH
Newark CO §634.04(a)(4) requires every motor vehicle and motorcycle to have a working muffler in constant operation. Removing or rendering inoperative a muff...
Newark, OH
Newark CO §634.04(a)(12) limits powered model vehicles (model aircraft, drones, RC cars and boats) to 60 dBA at 50 feet in residential areas during permitted...
Newark, OH
Newark Zoning Code generally allows residents to store RVs, boats, and trailers on their property in side or rear yards, subject to setback rules. Long-term ...
Newark, OH
Retaining walls in Newark are regulated under the Building Code (Newark CO Ch. 1610 adopting the Ohio Residential / Ohio Building Code). Walls over 4 feet in...
Newark, OH
Newark fences must be entirely on the owner's property. Property line disputes are governed by Ohio R.C. Chapter 971 (Partition Fences), which requires share...
Newark, OH
Newark CO §618.08 (Registration of Dogs Required) layers atop Ohio R.C. 955.01 to require every dog over three months old to be registered with the Licking C...
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