McKinney STR operators should maintain commercial short-term rental liability insurance of at least 1 million dollars; platform host protection programs supplement but do not replace this coverage.
Standard HO-3 homeowners policies typically exclude business use including STR operations. Operators should obtain a dedicated commercial STR policy (or an endorsement) providing at least $1,000,000 in general liability plus coverage for guest property damage, loss of rental income, and pool/hot-tub liability where applicable. Airbnb's AirCover and Vrbo's Liability Insurance provide secondary coverage but have exclusions for events, pools without fencing, and intentional acts. Proof of insurance may be requested at registration renewal.
Failure to maintain insurance can invalidate STR registration and expose operator to personal liability in tort claims. HOA covenants may independently require insurance.
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