Wyoming, MI does not require short-term rental hosts to carry a specific insurance policy or post a liability minimum, and Michigan has no statewide STR insurance mandate. However, hosts using Airbnb or VRBO rely on platform-provided host protection (Airbnb AirCover up to $1M, VRBO Liability Insurance up to $1M), and a standard Michigan homeowner's policy almost always excludes commercial transient rental.
Neither the Wyoming, MI Code of Ordinances nor Michigan state law imposes an insurance requirement specific to short-term rental operators. Coverage is governed by contract: the host's homeowner's or landlord policy, the rental platform's host-protection program, and any condo or homeowner-association master policy. The main risk for hosts is that a standard Michigan HO-3 homeowner's policy contains a 'business pursuits' exclusion that voids coverage for property damage and liability arising out of a rental for compensation - including a single Airbnb booking. Hosts should either (1) endorse a 'home-sharing' or short-term-rental rider onto the HO-3, (2) move to a commercial Landlord Dwelling policy (DP-3) plus a Hosted Lodging endorsement, or (3) purchase a dedicated STR policy from a specialist carrier (Proper, Slice, CBIZ). Platform protection programs are secondary, not a substitute: Airbnb AirCover provides up to $1,000,000 in liability and $3,000,000 in host damage protection but only for losses caused by the verified booking guest and only when filed through Airbnb; VRBO's Liability Insurance offers similar coverage limited to platform bookings. Michigan's 2019 auto insurance reforms (Public Acts 21 and 22 of 2019) reshaped the auto market but did not touch STR liability coverage. Wyoming's Rental Property Registration application does not require proof of insurance, but mortgage lenders and condo associations frequently impose insurance requirements via private contract.
Operating without adequate insurance is not a code violation in Wyoming, but a guest injury without coverage can result in personal liability up to the host's full net worth. A Michigan homeowner's policy that excludes business pursuits will deny the claim, and Michigan's Uniform Trade Practices Act (MCL 500.2001 et seq.) does not help if the exclusion is clearly drafted in the policy. Misrepresenting STR use to a homeowner's insurer can also support rescission of the policy under MCL 500.2218.
Wyoming, MI
Residential pool barriers in Wyoming follow the statewide 2015 Michigan Residential Code Appendix AG105, which requires a barrier at least 48 inches high aro...
Wyoming, MI
Wyoming Section 90-312(4) requires that all fences be of an ornamental nature and prohibits spikes, nails, or any sharp instruments of any kind on top of or ...
Wyoming, MI
Wyoming Section 90-312 does not require neighbor consent to build a fence; it only requires building inspector approval, the 36-inch front-yard cap, the 6-fo...
Wyoming, MI
Wyoming Zoning Code Section 90-312(1) requires that the erection, construction, or alteration of any fence be approved by the building inspector for complian...
Wyoming, MI
Wyoming Zoning Code Section 90-312 (Fences, Walls and Other Protective Barriers) caps residential fences at six feet in required side and rear yards above th...
Wyoming, MI
Wyoming Code Chapter 6 (Animals) does not codify a single fixed numerical cap on household dogs and cats but uses nuisance and dangerous-animal provisions to...
Side-by-side rule comparisons with other cities in Kent County.
See how other cities in Kent County handle insurance requirements.
See how Wyoming's insurance requirements rules stack up against other locations.
Quick Compare
Help us keep this page accurate. If you notice an error or outdated information, let us know.