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

Short-term rental insurance requirements in Tarrant County are set by each city and generally mandate commercial liability coverage above standard homeowners policies. Fort Worth STR Ordinance requires at least 1,000,000 dollars per occurrence in general liability insurance naming the operator and listing the STR address. Arlington Ordinance 21-037 requires 1,000,000 dollars in liability coverage with proof of insurance submitted annually at permit renewal. Grapevine requires a minimum of 500,000 dollars. Keller, Southlake, and Mansfield do not set a specific minimum but require proof of adequate coverage. Airbnb Host Protection Insurance (up to 1,000,000 dollars) and VRBO Liability Insurance (1,000,000 dollars) typically satisfy city requirements if documented. Standard homeowners insurance usually excludes commercial STR use, so operators often need a commercial rider, a dedicated STR policy (such as Proper Insurance, CBIZ, or Foremost), or a landlord policy converted with STR endorsement. Operators should also confirm workers compensation is in place if they hire cleaners or managers who qualify as employees under Texas Labor Code.