College Station, TX Short-Term Rentals: Insurance Requirements (2026)
Summary
College Station may require hosts to carry liability insurance for short-term rental properties. Minimum coverage amounts vary by jurisdiction.
Sec. 92.111. FEE IN LIEU OF SECURITY DEPOSIT. ... (h) A fee collected under this section is not a security deposit for purposes of this chapter if: (1) an agreement was signed under Subsection (c); and (2) the fee is used to purchase insurance coverage for damages and unpaid rent for which the tenant is legally liable under the lease or as a result of breaching the lease. ... (j) A landlord may not submit a claim for damages or unpaid rent to an insurer for insurance described by Subsection (e) unless the landlord notifies the tenant of the damages or unpaid rent indebtedness not later than the 30th day after the date the tenant surrendered possession of the dwelling.
Full Breakdown
College Station 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 College Station
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