Insurance Requirements: Arlington vs Fort Worth
How do insurance requirements rules compare between Arlington, TX and Fort Worth, TX?
Arlington and Fort Worth have similar restriction levels.
Arlington, TX
Tarrant County
Arlington requires short-term rental operators to carry liability insurance, typically at a minimum of $500,000 to $1,000,000 per occurrence, and to provide proof of coverage at registration. Standard homeowner policies usually exclude commercial short-term rental use, so hosts need either a dedicated STR policy, a homeowner endorsement, or reliance on platform-provided coverage that meets the city's minimums.
View full Arlington rules →Fort Worth, TX
Tarrant County
Fort Worth's short-term rental ordinance (Ord. 26005-02-2023, codified as Article XIII of the registration chapter) requires operators to carry liability insurance and provide proof to the city as part of registration.
View full Fort Worth rules →Key Facts Comparison
| Fact | Arlington | Fort Worth |
|---|---|---|
| - | - | |
| Code Section | - | Fort Worth Code Article XIII (Ord. 26005-02-2023) |
| Liability Coverage | - | At least $500,000 per occurrence |
| Registration Fee | - | $150 initial / $100 renewal |
| Allowed Zones | - | Mixed-use and commercial only |
Highlighted rows indicate differences between cities.
Arlington FAQ
Is Airbnb AirCover enough for Arlington registration?
It can be if the COI specifically names the Arlington property and meets the minimum limits. Many hosts layer their own policy on top.
Does my homeowner policy cover my Arlington STR?
Almost never. HO-3 policies exclude commercial transient occupancy; you need a dedicated policy or endorsement.
Fort Worth FAQ
Does Fort Worth require STR liability insurance?
Yes. Operators must carry liability insurance and submit proof during registration under Article XIII. Coverage of at least $500,000 per occurrence is the city's standard requirement.
Can I run an Airbnb in a Fort Worth residential neighborhood?
No. The 2023 STR ordinance limits short-term rentals to mixed-use and commercial zoning districts. STRs in single-family or two-family zones are not eligible for registration.
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