Insurance Requirements: Cedar Park vs Round Rock
How do insurance requirements rules compare between Cedar Park, TX and Round Rock, TX?
Cedar Park has fewer restrictions than Round Rock.
Cedar Park, TX
Williamson County
Cedar Park's STR registration ordinance does not require operators to carry liability insurance. Coverage is left to the operator and any platform-provided host protection (e.g., Airbnb AirCover, VRBO Liability Insurance).
View full Cedar Park rules →Round Rock, TX
Williamson County
Round Rock requires STR applicants to submit proof of liability insurance with the Temporary Use Permit application. The city does not publish a minimum dollar amount; coverage is reviewed for adequacy by the Zoning Administrator.
View full Round Rock rules →Key Facts Comparison
| Fact | Cedar Park | Round Rock |
|---|---|---|
| City insurance requirement | None | - |
| Minimum liability coverage | Not specified by city | - |
| Airbnb AirCover | $1M host damage / $1M liability (platform-provided) | - |
| VRBO Liability Insurance | $1M per booking (platform-provided) | - |
| Liability Insurance | - | Required — proof submitted with TUP |
| Published Minimum Amount | - | None published |
| Permit | - | Temporary Use Permit |
| Application Fee | - | $50 |
| Contact | - | Planning & Development Services |
Highlighted rows indicate differences between cities.
Cedar Park FAQ
Does Cedar Park require STR liability insurance?
No — the city's October 2026 registration ordinance does not require operators to carry a specific liability policy.
Will my homeowner's policy cover Airbnb guests?
Usually not — most standard HO-3 policies exclude 'business pursuits' including STR activity. Talk to your insurer about a short-term-rental endorsement or a separate commercial policy.
Round Rock FAQ
What insurance must I carry to run an STR in Round Rock?
You must submit proof of a liability insurance policy with your Temporary Use Permit application. Round Rock does not publish a fixed minimum coverage amount; confirm acceptable coverage with Planning and Development Services before applying.
Does my homeowners policy count?
Only if it explicitly covers short-term rental use. Many homeowners policies exclude commercial/transient lodging; an STR rider or dedicated host policy is often needed.
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