Pearland's short-term rental ordinance (Ordinance 1611, Chapter 20 Article IX) does not impose a specific liability insurance mandate on STR operators. Permits, Fire Marshal inspection, occupancy limits, and 7% Hotel Occupancy Tax are required, but no minimum insurance coverage amount is specified by the city.
Pearland adopted Ordinance 1611 on April 11, 2022 (effective July 1, 2022), creating Chapter 20 Article IX governing short-term rentals. The ordinance focuses on permitting ($75 application fee, $100 Fire Marshal inspection), occupancy caps (two adults per bedroom, ten persons maximum), parking minimums, two means of egress per rented bedroom, working smoke and carbon monoxide alarms, and a 7% Hotel Occupancy Tax. It does not establish a city-mandated minimum liability insurance amount. Hosts commonly rely on platform-provided host protections (e.g., Airbnb AirCover, Vrbo Liability Insurance) and recommend a dedicated short-term rental policy, but these are market-driven, not Pearland requirements.
Operating without an STR permit, failing the Fire Marshal inspection, or exceeding occupancy may result in permit revocation and fines under Chapter 20 Article IX.
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