Ohio Statewide Rule

Ohio Home-Sharing Insurance Disclosure Statute

Some RestrictionsApplies statewide across Ohio (2026)

Ohio reserves regulation of insurance products and producers to the state under ORC Title 39. No statute requires short-term rental hosts to carry liability coverage, and municipalities cannot mandate specific insurance products, though standard homeowners policies often exclude commercial rental activity.

Key Facts

Regulator: Ohio Department of Insurance
Statute: ORC Title 39
Form approval: ORC 3935.04
Local mandates: Preempted by state

Source: Ohio Laws & Administrative Rules

Full Breakdown

Ohio's regulation of insurance products and producers is exclusively reserved to the Ohio Department of Insurance under ORC Title 39. Standard homeowners policies in Ohio typically exclude commercial use of a residence, which can include short-term rental activity. While Ohio has not enacted a dedicated home-sharing insurance statute like California, the Department of Insurance has issued guidance recommending hosts obtain commercial coverage or confirm host-protection programs offered by platforms. Municipalities cannot mandate specific insurance products; only the Superintendent of Insurance may approve policy forms under ORC 3935.04.

Violations & Penalties

Selling unauthorized insurance is felony under ORC 3905.99; civil penalties for improper claims handling.

Frequently Asked Questions

Does Ohio require short-term rental hosts to carry liability insurance?

Ohio law does not require a specific minimum policy for short-term rental hosts statewide. However, standard homeowners policies often exclude commercial activity, so hosts typically need commercial or host-protection coverage.

Can Ohio cities require short-term rental hosts to buy specific insurance?

Cities may require proof of liability insurance as a condition of local permits, but they cannot dictate policy forms or insurer products. Insurance regulation is reserved to the state under ORC Title 39.

Sources

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Ohio Home-Sharing Insurance Disclosure Statute

Some RestrictionsApplies statewide across Ohio (2026)

Full Breakdown

Frequently Asked Questions

Does Ohio require short-term rental hosts to carry liability insurance?

Can Ohio cities require short-term rental hosts to buy specific insurance?