Insurance Requirements: Katy vs Missouri City

What kind of insurance does Katy require for short-term rentals?

Katy requires qualifying general liability insurance covering the rental dwelling. Owners must show proof at application and renewal, and coverage must remain in force throughout the permit period.

Will my homeowner's policy satisfy the requirement?

Standard homeowner's policies often exclude commercial rental activity. Owners should confirm with their carrier or obtain a short-term rental endorsement to satisfy Katy's general liability requirement.

Does Missouri City require Airbnb hosts to carry insurance?

No. The Residential Rental Registration Program in Chapter 14 of the City Code does not require proof of liability coverage as a condition of operating a short-term rental.

Will my Texas homeowner's policy cover short-term rentals?

Often not. The Texas Department of Insurance warns standard homeowner's policies may exclude home-sharing or business use, so hosts typically need an endorsement or commercial dwelling policy.

Do platforms like Airbnb provide enough coverage?

TDI describes platform host-protection programs as supplemental rather than substitute coverage. Many hosts pair platform coverage with their own short-term rental policy.

Can my HOA require insurance even if the city doesn't?

Yes. HOA covenants and master-planned community deed restrictions in Missouri City often impose stricter rental rules than the City Code and are enforced privately by the association.