Lubbock does not require STR liability insurance. Standard homeowner policies usually exclude rental use, so hosts need STR-specific coverage or a commercial policy.
There is no Lubbock ordinance requiring minimum liability limits or proof of insurance for short-term rentals. However, most standard Texas homeowner policies exclude business use of the dwelling, meaning rental income activity can void coverage for claims. Host-specific policies from carriers like Proper Insurance or CBIZ and platform programs like Airbnb AirCover (up to 1 million dollars in host liability) and Vrbo Liability Insurance (up to 1 million dollars per stay) provide baseline coverage, but these platform programs are secondary and have exclusions. Texas Department of Insurance recommends hosts disclose rental activity to their carrier and consider a commercial dwelling policy. HOA governing documents under TX Property Code 209 may require hosts to carry specified minimum limits.
No city enforcement. Private civil liability is the primary risk, with uninsured claims falling on personal assets.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lubbock, TX
The City of Lubbock does not regulate yard ornaments on private property. Statuary, religious displays, and decorative landscape elements are generally allow...
Lubbock, TX
Lubbock has no city ordinance setting size, height, or hours limits for inflatable holiday displays on private residential property. Wind is the primary prac...
Lubbock, TX
The City of Lubbock does not impose specific install-by or take-down-by dates for residential holiday lights. The general nuisance and right-of-way provision...
Lubbock, TX
Built-in outdoor kitchens in Lubbock require permits from the City of Lubbock Building Inspection Department for gas line installation, electrical work, plum...
Lubbock, TX
Lubbock does not have a smoker-specific ordinance for single-family residential use, but backyard smokers fall under the general nuisance provisions of the C...
Lubbock, TX
Lubbock adopts the International Fire Code through the City of Lubbock Code of Ordinances, with Lubbock Fire Rescue as enforcement authority. IFC Section 308...
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