Irving, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Coverage minimum
- $1,000,000 per occurrence
- Proof required
- Certificate of insurance on file with Department
- Timing
- Proof due at time of application
- Cancellation notice
- Report to Department within 30 days
- Max fine
- $2,000 per Article XI offense
- Enforcing agency
- Code Enforcement Department
Summary
Irving law makes it unlawful to operate a short-term rental without host protection or liability insurance covering up to $1 million per occurrence. Owners must keep a certificate of insurance on file with the Code Enforcement Department, prove coverage when applying for a certificate of registration, and report any cancellation within 30 days.
It shall be unlawful for the owner of premises operating as a short-term rental to operate without host protection or other liability insurance commensurate with the operations of the short-term rental that provides coverage of up to $1 million per occurrence. A certificate of insurance must be on file with the Department. Proof of insurance shall be required at the time of application and notice of cancellation of insurance must be made to the Department within 30 days.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4988517; v32 updated 2026-07-30).
Full Breakdown
Section 8-85 of Chapter 8, Article XI, adopted by Ordinance 2026-11269 on May 7, 2026, ties insurance directly to the certificate of registration created by Sec. 8-81: an owner cannot lawfully operate without both. The insurance must be host protection or other liability insurance commensurate with the operations of the short-term rental, providing coverage of up to $1 million per occurrence. A certificate of insurance has to be on file with the Department (defined in Sec. 8-80 as the Code Enforcement Department) before the city will issue or renew the STR certificate of registration, since Sec.
8-81(2)a conditions issuance on compliance with all requirements of the article. If the policy is cancelled, the owner must notify the Department within 30 days of the change, and Sec. 8-81(1)c separately requires the registrant to report any material change to the application, including changes affecting coverage, within seven days. Because insurance is a standing requirement of the registration article rather than a one-time application item, a lapse discovered during an inspection or complaint investigation exposes the owner to the same enforcement ladder that applies to every other Article XI violation: a notice of violation, then escalating misdemeanor citations, and possible revocation of the STR certificate under Sec. 8-90. The Director can also revoke outright, after notice, if the registrant fails to maintain any requirement of the article under Sec. 1.
Violations & Fines
Operating without the required insurance on file is enforced through the same ladder as other Article XI violations: a notice for a first violation, a misdemeanor citation for a second within 12 months, and a misdemeanor plus possible registration revocation for a third, per Sec. 8-90(b). Article XI offenses carry a fine of up to $2,000 under Sec. 8-67(c), and the offense is strict liability under Sec. 8-90(d).
Frequently Asked Questions
How much liability insurance does an Irving short-term rental need?
What happens if my STR insurance lapses?
Is insurance separate from the STR certificate of registration?
Sources & Official References
Other rules in Irving
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