Insurance Requirements: Conroe vs The Woodlands

Do I need special insurance for my Conroe Airbnb?

No local requirement exists, but standard homeowner policies may not cover STR activity. Verify your coverage and consider additional landlord liability insurance.

Does Airbnb's AirCover replace insurance for Conroe hosts?

No. AirCover provides up to $1M in host liability protection but is not a substitute for a proper short-term rental or landlord policy tailored to your property.

Will my Lake Conroe HOA require STR insurance?

Some Lake Conroe and Montgomery County HOAs require additional liability coverage for rental activity. Review your deed restrictions before listing.

Does The Woodlands Township require liability insurance for short-term rentals?

Yes. The Maintenance and Use Agreement requires submitting a certificate of insurance with the application and maintaining appropriate property and liability coverage for the one-year approval term.

What is the minimum coverage amount for a Woodlands STR policy?

The Township has not published a specific dollar minimum. Industry practice is a $1 million per-occurrence commercial general liability or short-term rental policy that explicitly covers transient occupancy; standard HO-3 homeowners policies typically exclude STR use.

Does Airbnb AirCover satisfy The Woodlands insurance requirement?

Only if Airbnb issues a named certificate of insurance to the host that Covenant Administration will accept. Many operators carry a standalone STR policy alongside platform protection to ensure compliance and to cover gaps.