Insurance Requirements: Dallas vs Richardson
How do insurance requirements rules compare between Dallas, TX and Richardson, TX?
Dallas and Richardson 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 →Richardson, TX
Dallas County
Richardson does not mandate a minimum liability insurance amount for short-term rentals in city ordinance, but hosts are strongly advised to carry commercial or STR-specific coverage. Airbnb and Vrbo host protection programs apply in addition.
View full Richardson rules →Key Facts Comparison
| Fact | Dallas | Richardson |
|---|---|---|
| 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.
Richardson FAQ
Does Richardson require proof of STR insurance?
Not as a standalone requirement. However, any future STR registration program or home-occupation permit could require proof, and some HOAs do require it.
Will my homeowner policy cover Airbnb guests?
Usually no. Standard HO-3 policies exclude business use. Contact your insurer about an STR endorsement or purchase a dedicated short-term rental policy.
Is Airbnb's AirCover enough?
AirCover provides up to $1M in host liability protection but has exclusions. Most insurance professionals recommend a primary commercial policy in addition.
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