Insurance Requirements: Frisco vs McKinney
How do insurance requirements rules compare between Frisco, TX and McKinney, TX?
Frisco and McKinney have similar restriction levels.
Frisco, TX
Collin County
Frisco requires STR operators to carry at least $1,000,000 in liability insurance covering short-term rental use, or use a platform that provides equivalent host protection. Proof of coverage required at permit application and renewal.
View full Frisco rules →McKinney, TX
Collin County
McKinney STR operators should maintain commercial short-term rental liability insurance of at least 1 million dollars; platform host protection programs supplement but do not replace this coverage.
View full McKinney rules →Key Facts Comparison
| Fact | Frisco | McKinney |
|---|---|---|
| Minimum | $1M liability | 1 million liability |
| Coverage | Must name STR use | - |
| Platform | AirCover/Vrbo may qualify | Secondary coverage |
| Proof | COI at application | At registration renewal |
| Lapse | Permit suspension | - |
| HO-3 | - | Excludes STR |
Highlighted rows indicate differences between cities.
Frisco FAQ
Does my homeowners policy cover STR use in Frisco?
Usually not. Standard HO3 policies exclude business/rental use. You need an STR-specific rider or commercial policy showing at least $1M liability.
Who enforces this in Frisco?
Frisco code enforcement at (972) 292-5000 handles complaints.
McKinney FAQ
Who enforces this in McKinney?
McKinney code enforcement at (972) 547-7500 handles complaints.
Who enforces this in McKinney?
McKinney code enforcement at (972) 547-7500 handles complaints.
Compare other topics
See how Frisco and McKinney compare on other ordinance categories.
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