Michigan and Wayne County do not mandate specific STR insurance, but standard homeowners policies exclude commercial use. Hosts typically need at least 1 million dollars in liability coverage or a commercial rider.
Neither Wayne County nor the State of Michigan imposes a specific minimum insurance requirement for short-term rentals, but market practice and local municipal STR ordinances often set standards. Some Wayne County cities, when adopting STR registration ordinances, have required proof of at least 1,000,000 dollars in liability coverage specifically acknowledging transient commercial lodging. Standard Michigan homeowners policies (HO-3) exclude business or commercial activity, meaning a claim arising from paying guests may be denied. Hosts should obtain a commercial endorsement, home-sharing endorsement, or a dedicated STR policy (Proper, CBIZ, Slice, or similar) to cover guest injury, theft by guests, and property damage. Airbnb Host Liability Insurance (AirCover) provides up to 1,000,000 dollars in primary coverage for bookings through the platform, but does not replace a proper homeowner or dwelling-fire policy for structure coverage. Vrbo provides similar liability protection. Michigan No-Fault Auto Insurance Law does not apply. Verify coverage with your agent before first booking.
Contact your local code enforcement office for specific penalty information.
Wayne County, MI
Wayne County does not regulate residential fence heights. Under Michigan's Zoning Enabling Act (MCL 125.3101 et seq.), zoning authority over fences rests wit...
Wayne County, MI
Residential pool safety in Wayne County is governed by the Michigan Residential Code (Appendix G, adopted under Public Act 230 of 1972), which is enforced lo...
Wayne County, MI
Michigan has not adopted IRC Appendix Q (Tiny Houses) statewide, and Wayne County does not set general zoning. Whether a tiny home is legal on a Wayne County...
Wayne County, MI
Wayne County itself does not regulate residential sheds in the dozens of incorporated cities and townships that make up nearly all of the county. Shed setbac...
Wayne County, MI
Michigan does not mandate E-Verify for private employers. Wayne County and Detroit have not adopted E-Verify ordinances. Federal contractors meeting FAR thre...
Wayne County, MI
Michigan is not a sanctuary state, but Detroit operates as a Welcoming City under 2017 Executive Order limiting police cooperation with ICE detainers absent ...
See how Wayne County's insurance requirements rules stack up against other locations.
Help us keep this page accurate. If you notice an error or outdated information, let us know.