Tomball's code does not mandate short-term rental liability insurance. Texas has no statewide STR insurance statute. Standard homeowner policies typically exclude commercial rental activity, so operators should obtain a landlord or commercial STR policy. Confirm details with a licensed Texas insurance agent.
Neither the Tomball Code of Ordinances nor Texas state law requires a minimum liability insurance amount for short-term rentals. The city's HOT registration form does not request a certificate of insurance. However, most standard HO-3 homeowners policies exclude business or short-term commercial activity, leaving operators uninsured for guest injury, theft, or property damage claims. Industry practice and most platforms recommend $1,000,000 commercial general liability coverage. Airbnb's AirCover and VRBO's liability program provide secondary coverage but should not replace a primary STR endorsement or commercial policy. Confirm coverage adequacy with a Texas-licensed agent and review your HOA, mortgage, and platform requirements before listing.
No municipal penalty for lacking insurance. Risk is private: uninsured guest injuries can produce six- and seven-figure liability exposure, and an insurer can deny claims for undisclosed STR use.
Tomball, TX
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Tomball, TX
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Tomball, TX
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Tomball, TX
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Tomball, TX
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Tomball, TX
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Side-by-side rule comparisons with other cities in Harris County.
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