Insurance Requirements: Arlington vs Keller
How do insurance requirements rules compare between Arlington, TX and Keller, TX?
Keller has fewer restrictions than Arlington.
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 →Keller, TX
Tarrant County
Keller does not mandate STR liability insurance, but standard homeowner policies exclude commercial rental activity. Airbnb and VRBO platform coverage is secondary and most Keller HOAs require a liability rider.
View full Keller rules →Key Facts Comparison
| Fact | Arlington | Keller |
|---|---|---|
| - | - | |
| City Mandate | - | None |
| Airbnb AirCover | - | 1 million dollars primary |
| VRBO Liability | - | 1 million dollars primary |
| HOA Typical | - | 1 million dollar rider |
| Homeowner Policy | - | Usually excludes commercial rental |
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.
Keller FAQ
Does my Keller homeowner policy cover Airbnb guests?
Most likely no. Standard HO-3 and HO-5 policies exclude business or commercial rental activity. You need a short-term rental endorsement, a dedicated commercial dwelling policy, or strong reliance on platform coverage like AirCover.
Is platform insurance enough?
Platform coverage is helpful as primary protection for on-platform bookings but has exclusions and limits. Most attorneys and Keller HOAs recommend a separate commercial general liability policy of at least 1 million dollars in addition to platform coverage.
Compare other topics
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