New Braunfels, TX Short-Term Rentals: Insurance Requirements (2026)

Sec. 00 of coverage per occurrence. The owner must submit a certificate of insurance that shows the named insured, any additional insureds, the rental's location address, the policy's effective date, and the coverage limit and type, so the city can confirm the property itself is covered and not just a generic landlord policy. If the insurance status changes, for example a policy lapses, is cancelled, or is replaced, the owner has 30 days to notify the city and supply updated information. Until updated proof of coverage is on file, the short-term rental permit is suspended, meaning the property cannot lawfully continue renting on a short-term basis even if every other standard, including occupancy, parking and fire-safety compliance, is otherwise met.

Insurance compliance is also checked at annual renewal: Sec. 17-5(d)(3) requires the permittee to provide documentation of the insurance requirement in subsection (c) again before the permit can be renewed for another year, alongside the fire marshal inspection and hotel occupancy tax documentation.