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

Some Restrictions

Verified 1 month ago|Source: Chapter 16, Article XXII – Short Term Rentals, Division 1: General (Sec. 16-1108 General Standards – Insurance) →

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Key Facts

Code Section: UDC § 35-374.01
Type 1 Permit: Owner-occupied; $300/3 years
Type 2 Permit: Non-owner-occupied; $450/3 years
Platform Compliance: Platforms must remove unpermitted listings

Summary

San Antonio's STR ordinance (UDC § 35-374.01) requires Type 1 and Type 2 STR permit holders to maintain liability insurance or participate in a host-protection program through their booking platform. The 2024 update (Ordinance 2024-06-13-0433) strengthened enforcement, including platform compliance requirements to remove unpermitted listings.

Full Breakdown

San Antonio may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is $500,000 to $1,000,000. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.

Violations & Fines

Operating without required insurance may result in permit denial or revocation. Hosts may face personal liability for uninsured claims.

Frequently Asked Questions

Do I need insurance for my San Antonio STR?

The STR ordinance requires hosts to carry adequate liability coverage. Many operators use host-protection insurance provided through platforms like Airbnb or Vrbo. The city may verify insurance as part of the permit application and renewal process.

What happens if I operate an STR without a permit?

The 2024 ordinance update added progressive enforcement: mandatory meetings with the DSD director, civil enforcement through administrative hearing officers, and permit revocation for up to three years. Fines reach $500 per day.

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

Key Facts

Summary

Full Breakdown

Violations & Fines

Frequently Asked Questions

Sources & Official References

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