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

Unlike cities such as San Antonio or Austin that mandate STR liability insurance (typically $500K or $1M minimum), Euless has no city-imposed insurance requirement for STR operators. This does not eliminate the risk of uninsured losses. Traditional homeowner insurance policies under the Texas Department of Insurance standard HO-3 and HO-B forms generally exclude business or commercial use, which can leave STR hosts exposed if a guest is injured or causes damage. Recommended coverage options include: (1) a short-term rental endorsement from carriers like Proper Insurance, Obie, or CBIZ that adds commercial liability and business income protection; (2) a dedicated commercial dwelling policy; or (3) reliance on platform liability coverage such as Airbnb AirCover for Hosts (up to $1 million liability plus $3 million damage protection) or Vrbo Liability Insurance (up to $1 million). Note that platform coverage typically applies only when a booking is made through that platform. HOA CCRs in Euless often require owners to carry general liability insurance and name the HOA as an additional insured. Workers compensation is required under Texas law if cleaners or property managers are classified as employees rather than independent contractors.