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Conroe, TX Short-Term Rentals: Insurance Requirements (2026)

Few Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Local Requirement
None
Airbnb Coverage
AirCover up to $1M
State Requirement
None for STR insurance
Topic
Insurance Requirements

Summary

Conroe has no local insurance requirements for short-term rental operators. Standard homeowner insurance and platform-provided coverage apply. Texas does not mandate STR-specific insurance.

Sec. 92.111. FEE IN LIEU OF SECURITY DEPOSIT. (a) If a security deposit is required by a residential lease, the landlord may choose to offer the tenant an option to pay a fee in lieu of a security deposit. If a landlord offers a tenant the option of paying a fee in lieu of a security deposit, the landlord:(1) shall offer the tenant the option to instead pay a security deposit; and(2) may not use a prospective tenant's choice to pay a fee in lieu of a security deposit or a security deposit as a criterion in the determination of whether to approve an application for occupancy.(b) At the time a landlord offers to a tenant the option of paying a fee in lieu of a security deposit, the landlord shall notify the tenant in writing:(1) that the tenant has the option to instead pay a securit

Source: City of Conroe Code of OrdinancesView official code

Full Breakdown

The City of Conroe does not maintain STR-specific insurance requirements since no local STR ordinance exists. Hosts should carry adequate homeowner or landlord insurance. Airbnb provides AirCover host liability coverage up to $1 million, and VRBO offers similar protections. Standard homeowner policies may not cover commercial rental activity, so hosts should verify their coverage. Texas state law does not mandate STR-specific liability insurance. Deed restrictions or HOA rules may require additional insurance for rental activities.

Violations & Fines

No local insurance violations. Hosting without adequate coverage is a financial risk, not a code violation.

Frequently Asked Questions

Do I need special insurance for my Conroe Airbnb?
No local requirement exists, but standard homeowner policies may not cover STR activity. Verify your coverage and consider additional landlord liability insurance.
Does Airbnb's AirCover replace insurance for Conroe hosts?
No. AirCover provides up to $1M in host liability protection but is not a substitute for a proper short-term rental or landlord policy tailored to your property.
Will my Lake Conroe HOA require STR insurance?
Some Lake Conroe and Montgomery County HOAs require additional liability coverage for rental activity. Review your deed restrictions before listing.

Sources & Official References

Other rules in Conroe

Landscaping Rules: Water RestrictionsSome RestrictionsShort-Term Rental PermitsFew RestrictionsParking Rules: RV & Boat ParkingSome RestrictionsNight CapsFew RestrictionsNoise RulesFew RestrictionsShort-Term Rental Parking RulesSome RestrictionsOccupancy LimitsFew RestrictionsParking Rules: Driveway RulesSome RestrictionsParking Rules: Loading ZonesSome RestrictionsAnimal Ordinances: Breed RestrictionsSome RestrictionsFire Regulations: Outdoor BurningSignificant Restrictions

All Conroe rules

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