Insurance Requirements: Dallas vs Garland
How do insurance requirements rules compare between Dallas, TX and Garland, TX?
Dallas and Garland 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 →Garland, TX
Dallas County
Garland does not mandate STR-specific insurance, but standard homeowner policies typically exclude commercial rental use - a commercial STR or umbrella policy is strongly recommended.
View full Garland rules →Key Facts Comparison
| Fact | Dallas | Garland |
|---|---|---|
| Code Section | Ch. 42B, Sec. 42B-5 and 42B-6 | - |
| Registration Portal | dallas.munirevs.com | - |
| Renewal | Annual | - |
| Legal Status | Enforcement enjoined since Dec. 2023 | - |
| - | - |
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.
Garland FAQ
Will my Texas homeowner policy cover an Airbnb guest injury?
Most likely no - standard policies exclude commercial use; you need an STR rider or dedicated policy.
Is Airbnb's AirCover enough?
AirCover is a secondary claims-paid program; primary STR insurance is recommended for serious injury or fire claims.
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