Humble does not require short-term rental hosts to carry liability insurance under city ordinance. Texas has no statewide STR insurance mandate. Coverage decisions are governed by host platform contracts and Texas Department of Insurance guidance rather than a Humble municipal rule.
No section of the Humble Code of Ordinances requires a short-term rental operator to maintain a specified amount of liability or homeowner-rider insurance. Chapter 40 Section 40-10 establishes a 7% room occupancy tax on hotel stays under 30 days but contains no proof-of-insurance requirement, and the city has not adopted a separate STR permit program that would condition operation on a certificate of insurance. The Texas Department of Insurance advises that standard homeowner policies often exclude short-term rental or business use, so hosts typically need an endorsement or commercial dwelling policy. Platform-provided coverage such as Airbnb AirCover or Vrbo Liability Insurance is generally treated as supplemental, not a substitute for a host's primary policy. Confirm any future permit-based insurance requirement with the City Secretary at 281-446-3061.
Because no Humble ordinance requires STR insurance, the city cannot cite a host for lack of coverage. Operating uninsured exposes hosts to personal liability for guest injuries or property damage and may breach mortgage, HOA, or platform contract terms.
Humble, TX
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Humble, TX
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Humble, TX
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Humble, TX
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Humble, TX
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