Live Oak, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- City Requirement
- None currently mandated
- Typical HO-3 Policy
- Excludes commercial STR activity
- Recommended Liability
- $1 million general liability
- Platform Coverage
- Secondary with exclusions
Summary
Live Oak does not require short-term rental operators to carry specific commercial insurance, but homeowners should confirm coverage since standard HO-3 policies often exclude paid guest activity.
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
There is no Live Oak ordinance mandating liability insurance for short-term rentals, unlike some Texas cities that require $300,000 to $1,000,000 in coverage. Nevertheless, typical homeowner insurance policies exclude commercial or paid-guest use, leaving hosts exposed. Insurance professionals recommend either a landlord or dwelling fire policy with short-term rental endorsement, or a dedicated STR commercial policy with general liability and contents coverage. Platform protections such as Airbnb AirCover and Vrbo liability insurance apply only to platform-booked stays and have notable exclusions for pool incidents, guest belongings, and vehicle damage.
Frequently Asked Questions
Is Airbnb insurance enough?
Do I need umbrella coverage?
Sources & Official References
Other rules in Live Oak
Texas rules heatmap·Compare Live Oak to another location·View the Texas short-term rentals overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.
Insurance Requirements in Nearby Cities
How other cities in Bexar County handle insurance requirements.