Westerville does not require STR operators to carry specific short-term rental liability insurance. Hosts should carry at least $1 million in liability coverage and verify their homeowner policy does not exclude commercial rental activity.
No Westerville ordinance or state of Ohio law requires STR hosts to carry a specific insurance policy limit. However, standard homeowner policies (HO-3) typically exclude or limit coverage for commercial rental activity, and some deny claims outright when properties are rented via Airbnb or Vrbo. Industry standard is an HO-6 or commercial dwelling policy with at least $1 million in liability coverage. Airbnb's AirCover provides up to $1 million in host liability and $3 million in host damage protection, but it is not a substitute for primary insurance. Vrbo offers similar coverage. Hosts should also consider an umbrella policy and confirm coverage for guest injuries on site.
Contact your local code enforcement office for specific penalty information.
Westerville, OH
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