Insurance Requirements: Converse vs San Antonio
How do insurance requirements rules compare between Converse, TX and San Antonio, TX?
Converse and San Antonio have similar restriction levels.
Converse, TX
Bexar County
Converse has no STR insurance mandate, but standard HO-3 policies often exclude commercial rental activity. Carry a dedicated STR policy or home-sharing endorsement with $1M liability. AirCover is secondary only.
View full Converse rules →San Antonio, TX
Bexar County
San Antonio's STR ordinance (UDC § 35-374.01) requires Type 1 and Type 2 STR permit holders to maintain liability insurance or participate in a host-protection program through their booking platform. The 2024 update (Ordinance 2024-06-13-0433) strengthened enforcement, including platform compliance requirements to remove unpermitted listings.
View full San Antonio rules →Key Facts Comparison
| Fact | Converse | San Antonio |
|---|---|---|
| City Mandate | None specified | - |
| Recommended Liability | $1 million minimum | - |
| HO-3 Issue | Often excludes commercial rental activity | - |
| AirCover | Up to $1M liability, secondary only | - |
| Vrbo | Up to $1M primary liability | - |
| Code Section | - | UDC § 35-374.01 |
| Type 1 Permit | - | Owner-occupied; $300/3 years |
| Type 2 Permit | - | Non-owner-occupied; $450/3 years |
| Platform Compliance | - | Platforms must remove unpermitted listings |
| Violations | - | Up to $500/day for non-compliance |
Highlighted rows indicate differences between cities.
Converse FAQ
Is STR insurance required in Converse?
No city requirement, but it is strongly recommended. Standard homeowner policies often exclude commercial rental activity and could deny claims for incidents during paid stays.
Does AirCover replace my homeowner policy?
No. AirCover is secondary to your own insurance and does not cover every scenario. Carry a proper STR or endorsed homeowner policy as primary coverage.
What minimum liability should I carry?
Industry standard is at least $1 million in commercial general liability, often supplemented by a $1M+ umbrella policy.
San Antonio FAQ
Do I need insurance for my San Antonio STR?
The STR ordinance requires hosts to carry adequate liability coverage. Many operators use host-protection insurance provided through platforms like Airbnb or Vrbo. The city may verify insurance as part of the permit application and renewal process.
What happens if I operate an STR without a permit?
The 2024 ordinance update added progressive enforcement: mandatory meetings with the DSD director, civil enforcement through administrative hearing officers, and permit revocation for up to three years. Fines reach $500 per day.
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