Washtenaw County sets no STR insurance rule. Ann Arbor's STR license application requires operators to submit proof of insurance for the unit, along with ownership, residency and floor-plan documents. Other Washtenaw jurisdictions impose their own requirements, if any.
No countywide ordinance mandates short-term-rental insurance in Washtenaw County — coverage is a city or township application requirement under the Michigan Zoning Enabling Act. To obtain an Ann Arbor STR license, applicants must submit proof of insurance covering the rental unit, in addition to proof of ownership or a lease with owner approval, a Sworn Statement of Principal Residency, floor plans and site plans. Hosts should verify their homeowner's or landlord policy actually covers short-term commercial use, since many standard policies exclude it, and confirm what the platform (Airbnb, VRBO) provides. Outside Ann Arbor, check the local code — many townships have no STR insurance requirement.
An incomplete application lacking required proof of insurance will not be approved; operating without the resulting license is a zoning violation.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Washtenaw County's insurance requirements rules stack up against other locations.
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