Brazoria County imposes no STR insurance requirement, and Pearland's published short-term rental rules center on permitting, fire inspection, occupancy, parking, and tax — not a mandated liability policy. Hosts should still carry adequate coverage voluntarily.
No Brazoria County or Pearland ordinance in the available official materials requires a short-term rental operator to carry a specific liability-insurance policy. Unincorporated county areas have no such rule because the county cannot zone. Pearland's STR framework (Ordinance 1611) focuses on obtaining a permit, passing a Fire Marshal safety inspection, meeting occupancy and parking limits, and remitting hotel occupancy tax. That said, standard homeowner policies often exclude commercial short-term rental activity, so hosts are strongly advised to obtain short-term-rental or landlord liability coverage even though it is not legally mandated. Always confirm current requirements directly with the city, as ordinances can change.
No penalty exists for lacking STR insurance since none is required; a coverage gap instead exposes the host to personal liability for guest injuries or property damage.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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