San Antonio vs Universal City
How do insurance requirements rules compare between San Antonio, TX and Universal City, TX?
San Antonio and Universal City have similar restriction levels.
San Antonio, TX
Bexar County
San Antonio's STR ordinance (UDC § 35-374.01) requires Type 1 and Type 2 STR permit holders to maintain liability insurance or participate in a host-protection program through their booking platform. The 2024 update (Ordinance 2024-06-13-0433) strengthened enforcement, including platform compliance requirements to remove unpermitted listings.
View full San Antonio rules →Universal City, TX
Bexar County
Universal City STR operators should maintain commercial or short-term rental liability insurance, commonly with limits of 500,000 to 1,000,000 dollars.
View full Universal City rules →Key Facts Comparison
| Fact | San Antonio | Universal City |
|---|---|---|
| Code Section | UDC § 35-374.01 | - |
| Type 1 Permit | Owner-occupied; $300/3 years | - |
| Type 2 Permit | Non-owner-occupied; $450/3 years | - |
| Platform Compliance | Platforms must remove unpermitted listings | - |
| Violations | Up to $500/day for non-compliance | - |
| Common Minimum | - | 500,000 to 1,000,000 dollars |
| Homeowners Policy | - | Usually excludes STR activity |
| Platform Coverage | - | Airbnb AirCover, Vrbo Liability |
| City Contact | - | (210) 658-5365 |
Highlighted rows indicate differences between cities.
San Antonio FAQ
Do I need insurance for my San Antonio STR?
The STR ordinance requires hosts to carry adequate liability coverage. Many operators use host-protection insurance provided through platforms like Airbnb or Vrbo. The city may verify insurance as part of the permit application and renewal process.
What happens if I operate an STR without a permit?
The 2024 ordinance update added progressive enforcement: mandatory meetings with the DSD director, civil enforcement through administrative hearing officers, and permit revocation for up to three years. Fines reach $500 per day.
Universal City FAQ
Is Airbnb insurance enough?
Airbnb AirCover provides host liability coverage, but many cities still require a separate certificate; check Universal City requirements.
Do I need workers compensation?
Only if you have employees; cleaners hired as independent contractors are typically not subject to workers comp rules.
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