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

Rowlett's short-term rental program requires liability insurance coverage. Per the city's Rental Registration and Inspections program information, short-term rental owners must carry host protection or comparable liability insurance providing coverage of up to $1 million per occurrence; a certificate of insurance must be on file with the administrator, proof of insurance is required at the time of application, and notice of cancellation must be given within 30 days. This insurance requirement sits alongside the safety-equipment standards that are spelled out in the codified ordinance: Sec. 10-427(e) of the Code of Ordinances (Ord. No. 007-23) requires each STR to provide working smoke detectors, working Type A fire extinguishers, and carbon monoxide detectors as required by the building and fire codes adopted by the city, and makes the owner responsible for obtaining annual independent inspections of all fire extinguishers. The premises must otherwise comply with all applicable building and fire codes. Initial and quarterly inspections under Sec. 10-426 verify these life-safety conditions before and during operation, and any life-safety or critical deficiency must be corrected before occupancy. Owners renewing or applying should confirm the exact insurance documentation and limits directly with the Neighborhood Services Division, since the dollar figure and certificate-filing mechanics are administered through the program/master fee schedule rather than quoted verbatim in the codified text reviewed.