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

Sec. " The requirement is folded into the general standards that apply to every permitted STR, Type 1 or Type 2, alongside occupancy, parking, life-safety and signage rules in the same section. The obligation is not a one-time check at application: Sec. " That certification is filed with the Development Services Department alongside the parking sketch, floor plan and 24-hour contact information required for every application. Because the ordinance sets only a floor, "sufficient for personal injury liability of guests," rather than a specific dollar coverage amount, the director of development services has discretion under Sec.

16-1102 to issue written procedures clarifying what counts as sufficient coverage, but the code text itself does not fix a minimum policy limit. Providing false information on the insurance certification, like any false statement on an STR application, triggers a one-year denial of future applications for that owner at that property under Sec. 16-1104(a).