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

While Converse does not set a minimum STR insurance requirement, Texas operators typically purchase dedicated short-term rental insurance to cover gaps in standard homeowner policies. Standard HO-3 homeowner policies often contain a business pursuits exclusion that can void coverage for losses arising from paid rental activity. Commercial STR policies such as those from Proper Insurance or CBIZ typically provide dwelling replacement coverage, contents including theft and vandalism by guests, business income loss, and $1 million to $2 million in commercial general liability. Airbnb offers its AirCover for Hosts program which includes up to $1 million in host liability and $3 million in host damage protection, but it is explicitly secondary to the host own policy and does not cover every scenario (e.g., intentional acts, pollution, certain dog bites). Vrbo Liability Insurance provides up to $1 million in primary liability for covered claims. HOA master policies typically do not cover individual unit interiors. Lenders holding a mortgage on the property often require notice of the STR use and a compliant insurance policy. Operators should also carry umbrella coverage of $1 million or more to address catastrophic liability claims exceeding underlying limits.