Insurance Requirements: Shenandoah vs The Woodlands

Does Shenandoah require Airbnb hosts to carry liability insurance?

The published Shenandoah Code does not impose a dedicated STR liability minimum. Hosts should still carry coverage that explicitly endorses short-term rental use. Confirm at 281-298-5522.

Does Texas set a minimum STR insurance amount?

No. Texas has no statewide short-term rental insurance mandate. Any minimum coverage requirement would have to come from city ordinance, HOA rules, or platform policy.

Will my homeowners policy cover Airbnb claims?

Most standard homeowner policies exclude commercial or short-term rental use. Hosts typically need an STR endorsement, a separate dwelling policy, or rely on platform host protection.

Does The Woodlands Township require liability insurance for short-term rentals?

Yes. The Maintenance and Use Agreement requires submitting a certificate of insurance with the application and maintaining appropriate property and liability coverage for the one-year approval term.

What is the minimum coverage amount for a Woodlands STR policy?

The Township has not published a specific dollar minimum. Industry practice is a $1 million per-occurrence commercial general liability or short-term rental policy that explicitly covers transient occupancy; standard HO-3 homeowners policies typically exclude STR use.

Does Airbnb AirCover satisfy The Woodlands insurance requirement?

Only if Airbnb issues a named certificate of insurance to the host that Covenant Administration will accept. Many operators carry a standalone STR policy alongside platform protection to ensure compliance and to cover gaps.