Frisco, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum
- $1M liability
- Coverage
- Must name STR use
- Platform
- AirCover/Vrbo may qualify
- Proof
- COI at application
- Lapse
- Permit suspension
Summary
Frisco requires STR operators to carry at least $1,000,000 in liability insurance covering short-term rental use, or use a platform that provides equivalent host protection. Proof of coverage required at permit application and renewal.
Sec. 92.010. OCCUPANCY LIMITS. (a) Except as provided by Subsection (b), the maximum number of adults that a landlord may allow to occupy a dwelling is three times the number of bedrooms in the dwelling.(b) A landlord may allow an occupancy rate of more than three adult tenants per bedroom:(1) to the extent that the landlord is required by a state or federal fair housing law to allow a higher occupancy rate; or(2) if an adult whose occupancy causes a violation of Subsection (a) is seeking temporary sanctuary from family violence, as defined by Section 71.004, Family Code, for a period that does not exceed one month.(c) An individual who owns or leases a dwelling within 3,000 feet of a dwelling as to which a landlord has violated thi
Full Breakdown
Frisco STR permit application requires a certificate of insurance listing the property address and confirming STR-use coverage of at least $1 million per occurrence. Standard homeowners policies often exclude commercial/rental use, so operators typically need a commercial rider or specialty STR policy. Airbnb AirCover and Vrbo Liability Insurance generally meet the minimum when the booking goes through the platform; hosts must still carry independent coverage for direct bookings. Lapse in coverage is grounds for immediate permit suspension.
Violations & Fines
Operating without valid insurance: permit suspension plus fine up to $500 per day until cured.
Frequently Asked Questions
Does my homeowners policy cover STR use in Frisco?
Sources & Official References
Other rules in Frisco
Texas rules heatmap·Compare Frisco to another location·View the Texas short-term rentals overview
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Insurance Requirements in Nearby Cities
How other cities in Collin County handle insurance requirements.