Insurance Requirements: Dallas vs DeSoto
How do insurance requirements rules compare between Dallas, TX and DeSoto, TX?
Dallas and DeSoto have similar restriction levels.
Dallas, TX
Dallas County
Dallas City Code Chapter 42B requires STR operators to maintain liability insurance as part of the registration process. Operators must demonstrate proof of insurance when registering through the MUNIRevs online portal. The 2023 ordinance requires annual registration renewal including updated insurance documentation. Enforcement of these requirements is currently stayed by court injunction.
View full Dallas rules →DeSoto, TX
Dallas County
DeSoto STR operators must carry a minimum of $500,000 in commercial general liability insurance naming the City as an additional insured, plus proof of adequate property coverage. Platform-provided Host Protection does not satisfy the requirement alone.
View full DeSoto rules →Key Facts Comparison
| Fact | Dallas | DeSoto |
|---|---|---|
| Code Section | Ch. 42B, Sec. 42B-5 and 42B-6 | - |
| Registration Portal | dallas.munirevs.com | - |
| Renewal | Annual | - |
| Legal Status | Enforcement enjoined since Dec. 2023 | - |
| Minimum Per Occurrence | - | $500,000 |
| Aggregate | - | $1,000,000 |
| City Named | - | Additional insured required |
| Proof | - | ACORD 25 certificate |
| Homeowner Policy | - | Usually insufficient alone |
Highlighted rows indicate differences between cities.
Dallas FAQ
Do I need insurance to operate an STR in Dallas?
Chapter 42B requires proof of insurance as part of STR registration, though enforcement of the entire ordinance is currently stayed by court injunction.
How do I register my STR in Dallas?
Registration is done through the MUNIRevs portal at dallas.munirevs.com with a non-refundable fee, annual renewal, and proof of ownership and insurance.
DeSoto FAQ
Does Airbnb AirCover count?
AirCover provides supplemental protection but does not meet DeSoto's requirement of a policy naming the City as additional insured. You need a separate STR policy.
What if my insurance lapses?
The STR permit is automatically suspended. Operating during a lapse incurs fines and may result in permit revocation.
Compare other topics
See how Dallas and DeSoto compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool