Abilene, TX Short-Term Rentals: Insurance Requirements (2026)
Summary
Abilene may require hosts to carry liability insurance for short-term rental properties. Minimum coverage amounts vary by jurisdiction.
Sec. 92.010. OCCUPANCY LIMITS. (a) Except as provided by Subsection (b), the maximum number of adults that a landlord may allow to occupy a dwelling is three times the number of bedrooms in the dwelling.(b) A landlord may allow an occupancy rate of more than three adult tenants per bedroom:(1) to the extent that the landlord is required by a state or federal fair housing law to allow a higher occupancy rate; or(2) if an adult whose occupancy causes a violation of Subsection (a) is seeking temporary sanctuary from family violence, as defined by Section 71.004, Family Code, for a period that does not exceed one month.(c) An individual who owns or leases a dwelling within 3,000 feet of a dwelling as to which a landlord has violated thi
Full Breakdown
Abilene may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is a penalty set by local ordinance. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.
Frequently Asked Questions
Does my homeowner insurance cover short-term rentals?
Does Airbnb insurance satisfy local requirements?
Sources & Official References
Other rules in Abilene
Texas rules heatmap·Compare Abilene to another location·View the Texas short-term rentals overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.