McKinney, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum
- 1 million liability
- HO-3
- Excludes STR
- Platform
- Secondary coverage
- Proof
- At registration renewal
Summary
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.
Sec. 92.162. PAYMENT OF CHARGES; LIMITS ON AMOUNT CHARGED. (a) A landlord may not require a tenant to pay for repair or replacement of a security device due to normal wear and tear. A landlord may not require a tenant to pay for other repairs or replacements of a security device except as provided by Subsections (b), (c), and (d).(b) A landlord may require a tenant to pay for repair or replacement of a security device if an underlined provision in a written lease authorizes the landlord to do so and the repair or replacement is necessitated by misuse or damage by the tenant, a member of the tenant's family, an occupant, or a guest, and not by normal wear and tear. Misuse of or damage to a security device that occurs during the tenant's occupancy is presumed to be
Full Breakdown
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.
Violations & Fines
Failure to maintain insurance can invalidate STR registration and expose operator to personal liability in tort claims. HOA covenants may independently require insurance.
Sources & Official References
Other rules in McKinney
Texas rules heatmap·Compare McKinney 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 If you notice an error or outdated information, let us know.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 Collin County handle insurance requirements.