Plano, TX Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $1,000,000 liability per occurrence
- Proof required
- certificate of insurance on file with director
- Timing
- required at time of application
- Change notice deadline
- 30 calendar days of cancellation/change
- Noncompliance penalty
- 3-month suspension, Sec. 6-745(b)(1)
Summary
Plano won't let a short-term rental operate without liability insurance covering at least $1,000,000 per occurrence. Owners must keep a certificate on file with the city's director, submit proof when they apply, and report any cancellation or change within 30 days.
No STR shall be operated without liability insurance that provides coverage of at least one million dollars ($1,000,000) per occurrence. A certificate of insurance shall be on file with the director. Proof of insurance shall be required at the time of application and notice of cancelation or change of insurance shall be made to the director within thirty (30) calendar days.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 153).
Full Breakdown
Plano Code of Ordinances Sec. " The section requires a certificate of insurance to be on file with the director, not just presented once, proof is required at the time of application, and the owner must notify the director of any cancelation or change in the policy within thirty calendar days. This dovetails with the registration application itself: Sec. 6-735(d)(2)(vi) lists proof of insurance as a required registration document, and the applicant's sworn statement under Sec. 6-735(d)(2)(xi)(2) must affirm the STR is, and will continue to be, in compliance with all requirements of Article XXIV, which includes maintaining this coverage throughout the registration period, not just at initial filing.
The insurance requirement sits alongside the article's other continuous-compliance duties, designated contact availability, noise and video monitoring devices, and timely tax payment, all enforced by the same director who administers Chapter 6, Article XXIV citywide.
Violations & Fines
Failure to maintain or to provide proof of insurance in compliance with this article, on request from the director, is grounds for the director to deny an application or suspend an existing registration for three months under Plano Code of Ordinances Sec. 6-745(b)(1). A lapsed or canceled policy that isn't reported within the 30-day window under Sec. 6-739 compounds that exposure, since the registrant's sworn compliance statement covers ongoing, not just initial, coverage.
Frequently Asked Questions
How much liability insurance does a Plano short-term rental need?
What happens if my STR insurance policy is canceled in Plano?
Do I need proof of insurance to register an STR, or just to renew it?
Sources & Official References
Other rules in Plano
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How other cities in Collin County handle insurance requirements.