North Richland Hills, TX Short-Term Rentals: Insurance Requirements (2026)

Insurance is a practical necessity for NRH short-term rental operators even though the city does not codify coverage at a fixed dollar amount in general ordinance. Specific use permit conditions commonly require the operator to maintain commercial general liability insurance listing the City of NRH as a certificate holder, with at least $1 million per occurrence and $2 million aggregate limits, and to keep the certificate on file with the Planning Department. Most standard homeowner policies (HO-3, HO-5) exclude commercial use of the property, meaning a guest injury or fire at an STR may not be covered without a specific endorsement or a separate commercial policy. Operators should obtain either a hospitality-specific homeshare endorsement from their insurer or a full short-term rental commercial policy. Platforms provide layered protection: Airbnb AirCover includes up to $1 million in host liability and $3 million in property damage protection, and VRBO offers similar coverage through Generali. These platform programs are secondary to any host-obtained policy. Operators should also consider umbrella coverage, loss-of-income insurance, and personal injury protection specifically for guest use. Failure to maintain required insurance is grounds for SUP revocation.