Laredo, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- City Requirement
- None
- HO-3 Coverage
- Usually excludes STR
- Recommended
- 1 million liability
- Airbnb
- AirCover secondary
- Vrbo
- Liability Insurance
Summary
Laredo does not mandate a specific insurance policy for STR operators, but standard homeowner policies typically exclude commercial lodging use. Operators should carry commercial STR insurance or verify platform host protection coverage limits.
Sec. 92.010. OCCUPANCY LIMITS. (a) Except as provided by Subsection (b), the maximum number of adults that a landlord may allow to occupy a dwelling is three times the number of bedrooms in the dwelling.(b) A landlord may allow an occupancy rate of more than three adult tenants per bedroom:(1) to the extent that the landlord is required by a state or federal fair housing law to allow a higher occupancy rate; or(2) if an adult whose occupancy causes a violation of Subsection (a) is seeking temporary sanctuary from family violence, as defined by Section 71.004, Family Code, for a period that does not exceed one month.(c) An individual who owns or leases a dwelling within 3,000 feet of a dwelling as to which a landlord has violated this section, or a governmental entity or civic
Full Breakdown
Texas law and Laredo city code do not require STR operators to carry a specific minimum liability policy. However, standard HO-3 homeowner policies exclude losses arising from business use of the dwelling, meaning guest injuries, property damage by guests, or liability claims may not be covered. Operators should obtain a commercial STR endorsement or a dedicated short-term rental policy with at least 1 million dollars in liability coverage. Airbnb offers AirCover for Hosts with up to 1 million in liability and damage protection; Vrbo provides similar Liability Insurance. These platform programs are secondary to the host policy and exclude certain categories of losses. Mortgage lenders and HOAs may impose their own insurance requirements on rental properties.
Frequently Asked Questions
Will my homeowner policy cover an STR guest injury?
Is platform coverage enough?
Sources & Official References
Other rules in Laredo
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