Richardson does not mandate a minimum liability insurance amount for short-term rentals in city ordinance, but hosts are strongly advised to carry commercial or STR-specific coverage. Airbnb and Vrbo host protection programs apply in addition.
The City of Richardson has not adopted a specific STR liability insurance minimum, unlike cities such as Austin or Dallas that require $1 million in commercial general liability. Operators should assume personal homeowner policies exclude commercial short-term rental use — most carriers treat it as a business activity. Under Texas Property Code Chapter 92 and general premises liability law, an owner can be held responsible for injuries to guests caused by unsafe conditions. Prudent coverage for Richardson hosts includes a commercial general liability policy of at least $1,000,000 per occurrence, an STR endorsement or rider, and umbrella coverage for high-occupancy properties. Airbnb's Host Liability Insurance (up to $1M) and Vrbo's Liability Insurance apply automatically but have exclusions (intentional acts, shared hosts, certain property types). Hotel Occupancy Tax (HOT) registration with the City is required regardless of insurance status. Insurance proof may be required to obtain a home-occupation permit if applicable.
No direct insurance penalty in code, but uninsured hosts face unlimited personal liability for guest injuries or property damage. Failure to register for HOT is a separate violation carrying back taxes plus penalties and interest. Civil lawsuits under Texas premises-liability law can result in judgments far exceeding property value.
Richardson, TX
Under Sec. 5-9(6), it is unlawful to allow an animal to unreasonably bark, howl, crow, or make other loud noise unprovoked for at least 15 minutes or in spor...
Richardson, TX
Richardson Code Ch. 13, Art. III, Div. 2 prohibits unreasonably loud noise at all hours. Sec. 13-72 makes it unlawful to create noise offensive to ordinary s...
Richardson, TX
Under Sec. 13-75(9), construction noise near residential areas is unrestricted 7 AM to 6 PM weekdays. Before 7 AM, after 6 PM, and on weekends, construction ...
Richardson, TX
Junked vehicles that are wrecked, dismantled, or inoperable without current registration or safety inspection may not be kept in public view. Richardson Code...
Richardson, TX
Richardson regulates commercial vehicle parking in residential areas through its zoning ordinance and Code Enforcement. Oversized commercial vehicles and pro...
Richardson, TX
Richardson does not recognize 'dibs' or reserved parking on public streets. Residents may not block public parking spaces with cones, chairs, or other items,...
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