Keller does not mandate STR liability insurance, but standard homeowner policies exclude commercial rental activity. Airbnb and VRBO platform coverage is secondary and most Keller HOAs require a liability rider.
The City of Keller does not have an ordinance requiring short-term rental operators to carry specific liability insurance, but operating without dedicated coverage creates significant risk. Standard Texas homeowner policies (HO-3 and HO-5) typically exclude losses arising from business or commercial use of the dwelling, including short-term rental income. If a guest is injured on the property, the homeowner may find the claim denied. Airbnb provides its AirCover for Hosts program with up to 1 million dollars of primary liability coverage, and VRBO offers 1 million dollars of primary liability through its Commercial Liability Insurance program, but these cover only bookings made on-platform and have exclusions. Many Keller HOAs require homeowners engaged in any rental activity to carry at least 1 million dollars in commercial general liability insurance and name the HOA as an additional insured. Dedicated short-term rental endorsements or standalone commercial dwelling policies are the recommended industry solution. Operators should also verify coverage for pool liability, hot tubs, and grills.
No city penalty exists, but uninsured claims may be personally charged against the owner. HOA violations of insurance requirements may result in fines and injunctive relief.
Keller, TX
Keller limits construction noise to roughly 7 AM to 8 PM weekdays and Saturdays, with tighter limits on Sundays and holidays. Emergency utility work is exemp...
Keller, TX
Keller combines a plainly audible standard with dB limits at the receiving property line, typically low 60s dBA daytime and mid 50s dBA nighttime in resident...
Keller, TX
Keller requires residential driveways to be paved with concrete or approved hard-surface material. New curb cuts or driveway approaches in the public right-o...
Keller, TX
Retaining walls over 4 feet measured from grade to top require a Keller building permit and Texas-registered engineered plans. Walls must not block drainage ...
Keller, TX
Keller bans no dog breed. TX Health and Safety Code 822 (Lillian's Law) uses a behavior-based dangerous dog standard. HOAs may privately restrict breeds.
Keller, TX
Keller limits grass, weeds, and rank vegetation to 12 inches on all lots including the parkway strip. Code Enforcement uses a 10-day notice before abatement....
Side-by-side rule comparisons with other cities in Tarrant County.
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