Katy requires every permitted short-term rental to maintain qualifying general liability insurance and provide proof of coverage during the application and renewal process.
Under Article 4.10, an STR permit will not be issued or renewed unless the owner supplies documentation of qualifying general liability insurance covering the rental dwelling. Coverage must remain active for the life of the permit; lapses can lead to suspension. The insurance requirement is paired with mandatory site plans showing fire extinguisher locations, parking layout, and ingress/egress, demonstrating the city's intent to ensure both financial and physical safety standards are met.
Lapsed coverage, failure to provide proof during application or inspection, or operating without active insurance may result in permit denial, suspension, or revocation.
See how other cities in Fort Bend County handle insurance requirements.
See how Katy's insurance requirements rules stack up against other locations.
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