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Montgomery County, TX Short-Term Rentals: Insurance Requirements (2026)

Some Restrictions

Verified 1 month ago|Source: Conroe STR Permits →

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Key Facts

Conroe Min: $500K liability
County: Cannot require
HO-3 Exclusion: Typical for STR
AirCover: May not satisfy
Proof: Required at renewal

City-specific rules exist: Willis, Shenandoah, The Woodlands, and Conroe have their own insurance requirements rules that differ from Montgomery County's county-level regulations. If you live in one of those cities, check the city-specific page instead.

Summary

Conroe requires $500K minimum STR liability insurance. Texas has no statewide STR insurance mandate. Montgomery County cannot impose one in unincorporated areas. Platform coverage (Airbnb AirCover) often does not satisfy city requirements.

Full Breakdown

Conroe STR permitting (Code Ch. 26) requires proof of commercial liability insurance with minimum $500,000 per-occurrence coverage, naming the city as certificate holder at renewal. Standard TDI-approved HO-3 homeowner policies in Texas typically exclude commercial rental activity exceeding 30 days per year, requiring a dwelling-fire (DP-3) policy or commercial STR endorsement. Willis and Magnolia currently lack city-specific STR insurance mandates but most mortgage lenders require equivalent coverage contractually. In unincorporated Montgomery County, no insurance ordinance can be enforced — counties lack zoning authority and HB 2127 further preempts. Airbnb AirCover and Vrbo Liability Insurance offer up to $1M host protection, but Conroe specifically requires proof of separate underlying policy, not platform-provided coverage. The Woodlands generally prohibits STR in covenanted villages regardless of insurance. Mortgage-required and lender-mandated insurance remains separate.

Violations & Fines

Conroe permit renewal without proof of insurance: permit denied or suspended. Uninsured STR operating: fines $250-$2,000 plus permit revocation. Homeowner may face personal liability for uncovered claims.

Frequently Asked Questions

Does Airbnb insurance cover Conroe's requirement?

Generally no. Conroe requires a separate commercial or dwelling-fire policy proof at renewal. AirCover is supplemental and not a substitute for the underlying coverage the city mandates.

Do I need STR insurance on my Lake Conroe rental?

Only if it is inside city limits (Conroe). Otherwise the county cannot require it. However, your mortgage or HOA may, and a dwelling-fire policy is strongly advisable for liability exposure.

How does Montgomery County compare?

See how Montgomery County's insurance requirements rules stack up against other locations.

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Montgomery County, TX Short-Term Rentals: Insurance Requirements (2026)

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Summary

Full Breakdown

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