Brownsville's 2024 STR ordinance requires applicants to submit proof of active liability insurance with the permit application, along with required life-safety equipment such as smoke detectors, carbon monoxide alarms, fire extinguishers, posted emergency exits, and visible house numbers.
Under the City of Brownsville Short-Term Rental ordinance adopted November 12, 2024, every STR permit application must include proof of active liability insurance covering the rental activity. The ordinance does not set a single statutory minimum dollar amount, but operators commonly satisfy it with a $1,000,000 host liability policy or platform-provided coverage such as Airbnb's AirCover or VRBO's Liability Insurance program. In addition to insurance, the application must include proof of ownership or a management agreement, a floor plan, parking plan, and 24/7 local emergency contact information. The unit must be equipped with working smoke detectors, carbon monoxide detectors, fire extinguishers, posted emergency exits, and visible house numbers, all of which are reviewed against the city's adopted International Residential Code and International Fire Code edition before the permit is issued. The permit must be prominently displayed in the rental unit, and platform listings should reference the city permit number. Permit term is one year; renewal is free if filed on time, otherwise a $50 fee applies. The application fee is $50 and is non-refundable.
Submitting a permit application without proof of active liability insurance, allowing coverage to lapse during the permit term, or failing to maintain required life-safety equipment can result in denial of a new permit, non-renewal, or revocation of an existing permit and may expose the operator to direct liability for guest injuries.
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