Macomb County does not mandate liability insurance for short-term rentals. Any insurance requirement is set by the individual city or township, and hosts are strongly advised to carry commercial or STR-specific coverage regardless.
No county ordinance in Macomb County requires an STR operator to carry liability insurance. Insurance mandates, where they exist, are imposed by cities or townships that license STRs — some require proof of a general liability policy (commonly $500,000 to $1,000,000) as a license condition. Michigan sets no statewide STR insurance requirement. Because a standard homeowner's policy often excludes commercial rental activity, hosts are strongly encouraged to obtain a commercial or STR endorsement, or a dedicated STR policy, to cover guest injuries and property damage. Platforms like Airbnb (AirCover) and Vrbo provide host protection, but that coverage is typically secondary and may not satisfy a local primary-policy requirement. Confirm any required coverage amount with your municipality before hosting.
There is no county insurance violation. Where a municipality requires proof of coverage, failing to maintain the mandated policy is grounds for denial or revocation of the local license; uninsured operators also face full personal liability for guest injury claims.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
St. Clair Shores, MI
St. Clair Shores Code of Ordinances Section 22-26 (Noise) prohibits sounds that disturb the peace and comfort of neighboring properties. Subsection (5) speci...
Macomb County, MI
Animal hoarding is treated as cruelty and neglect under Michigan law and is investigated by Macomb County Animal Control. Failing to provide adequate care je...
Macomb County, MI
Macomb County's Best Practices bar confining or keeping wild animals without municipality approval, and permitted exceptions are limited to accredited zoos a...
Macomb County, MI
Macomb County government does not regulate backyard composting. Michigan law encourages composting as an alternative to landfilling yard waste, and nuisance ...
Macomb County, MI
Macomb County government does not regulate artificial turf on residential property. Whether synthetic lawn is allowed, and any setback, drainage, or coverage...
Macomb County, MI
Macomb County government does not restrict planting native species, and Michigan's noxious-weed law expressly protects milkweed. The County and MSU Extension...
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