Short-term rental insurance in Texas
One of Texas's top short-term rental insurers.
Protect your Texas property with short-term rental insurance
Texas has one of the largest short-term rental markets, from Austin and Dallas to the Gulf Coast. Airbnb rules differ by city, and owners need coverage beyond a standard homeowners policy.
Steadily’s short-term rental insurance helps protect your Texas vacation home from guest injuries, property damage, and storm-related losses, while supporting compliance with local regulations.
From guest injuries to storm and fire damage in Texas, you want coverage that follows the property through every booking, and Steadily’s does.
Who is short-term rental insurance for?
Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:
What does short-term rental insurance cover?
We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium
Short-term vs. long-term rentals explained
Short-term rentals
Long-term rentals
What short-term rental insurance costs in Texas
Short-term rental coverage generally lands about 15% to 25% above what the same property would cost as a long-term rental because paying guests cycle through constantly and the home operates as a business.
In Texas, hurricane and coastal storm exposure can push premiums toward the higher end of that range.
The property's rebuild cost, its location, your liability limits, and extras like equipment or income coverage all move the number up or down.
The only way to know your exact figure is a quick quote, which takes just a few minutes.
Short-term rental rules every Texas host should know
Short-term rental rules in Texas are set mostly at the city and county level, so what's required in one town may not apply in the next. Our guide to Texas short-term rental laws breaks down where things currently stand.
Rules can also cover parking, trash, and noise, and how many separate bookings you can take at once, especially in residential neighborhoods.
Most short-term rentals owe some combination of state and local lodging taxes, so it's worth confirming what your platform collects and what you have to file yourself.
Where a city requires liability coverage to host, the right short-term rental policy satisfies the rule and protects your income and property at the same time.
