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

Shenandoah's Municode-hosted Code of Ordinances does not contain a published short-term rental chapter, and there is no statewide Texas requirement that STR operators carry a specific level of liability insurance. The only insurance figure that Shenandoah publishes for its building program is contractor coverage: residential and commercial contractors must carry $1,000,000 per-occurrence general liability with the City of Shenandoah listed as Certificate Holder before a building permit is released. That requirement applies to construction, not to renting out a finished home through a platform. Standard homeowner policies typically exclude short-term rental activity, so most Shenandoah hosts rely on platform-provided host protection (Airbnb AirCover, Vrbo Liability Insurance) layered with a dedicated short-term rental endorsement or commercial dwelling policy. Because Shenandoah is small and its STR rules can change quickly, confirm any newly adopted permit, registration, or insurance condition with Community Development at 281-298-5522 before listing a property.