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

Georgetown does not require proof of liability insurance to obtain or renew a short-term rental permit. The City's published list of application requirements — a government-issued ID; a draft neighbor notification; an authorization document if the applicant is not the owner; property details (address, bedrooms, bathrooms, parking spaces); owner and 24-hour local-contact information; property-management details if applicable; and internet listing-platform names and URLs — does not include any insurance certificate or minimum coverage amount. This places Georgetown among the lower-barrier Texas STR programs, which the City itself characterizes as 'low to moderate' regulation focused on registration and hotel occupancy tax collection. Even though the City does not require it, operators are strongly encouraged to carry appropriate landlord or short-term-rental liability coverage: standard homeowner policies often exclude commercial/short-term rental activity, and platforms such as Airbnb and VRBO provide only limited host protection that is not a substitute for a dedicated policy. Operators should consult an insurance professional and review any mortgage or HOA requirements, which may independently demand coverage even though the City ordinance does not. Confirm the current application checklist with the City's lodging office, as program requirements can be updated.