{"id":302423,"date":"2026-05-21T03:46:08","date_gmt":"2026-05-21T03:46:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-tx\/302423\/"},"modified":"2026-05-21T03:46:08","modified_gmt":"2026-05-21T03:46:08","slug":"north-texas-homeowners-warned-short-term-world-cup-rentals-could-void-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-tx\/302423\/","title":{"rendered":"North Texas homeowners warned short-term World Cup rentals could void insurance coverage"},"content":{"rendered":"

With the World Cup<\/a> expected to bring major crowds to North Texas, some homeowners are looking to cash in by renting out their homes.\u00a0<\/p>\n

One North Texas realtor says before posting that listing, homeowners may want to check with their insurance company first. \u00a0<\/p>\n

North Texas realtor Bobby Franklin says leading up to the World Cup, a lot of people are asking him about renting out their homes and what they should know before listing their property online. One thing they always discuss is homeowners’ insurance.\u00a0<\/p>\n

“The homeowners’ insurance is required and you want to make sure that you’re in compliance with your insurance agent,” he said.\u00a0<\/p>\n

He says what a lot of homeowners may not realize is that renting out their home short-term could put their insurance coverage at risk.\u00a0<\/p>\n

“Most people have what’s called an HO-3 policy, and almost all of those policies have a business activity exclusion,” he said.\u00a0<\/p>\n

Once a paying guest stays in the home, insurance companies could classify that as \u00a0“business activity” if they find out.\u00a0<\/p>\n

“So let’s say you rent your house, file a claim because someone damages your property or gets hurt, now all of a sudden your homeowners insurance says we can’t honor that claim and because we violated your policy we’re going to drop your policy,” Franklin said.\u00a0<\/p>\n

Losing coverage could create even bigger problems for homeowners with mortgages.\u00a0<\/p>\n

“When you have a mortgage, lenders are required to keep homeowners insurance on your home in order to protect themselves, so they can do what’s called a forced policy and those are usually 3 to 5 times the cost of a normal policy,” Franklin said.\u00a0<\/p>\n

One important thing homeowners can do is talk to their insurance company before posting their property online.\u00a0<\/p>\n

“Airbnb does have their AirCover program, which is their own insurance you can use, but it doesn’t do anything to qualify you with your homeowners’ insurance,” Franklin said.\u00a0<\/p>\n

Some insurance companies may offer additional coverage options for short-term rentals. \u00a0<\/p>\n

In:<\/p>\n","protected":false},"excerpt":{"rendered":"With the World Cup expected to bring major crowds to North Texas, some homeowners are looking to cash…\n","protected":false},"author":2,"featured_media":302424,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[16915,430,27,29,28,3692],"class_list":["post-302423","post","type-post","status-publish","format-standard","has-post-thumbnail","category-texas","tag-airbnb","tag-north-texas","tag-texas","tag-texas-headlines","tag-texas-news","tag-world-cup"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts\/302423","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/comments?post=302423"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/posts\/302423\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/media\/302424"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/media?parent=302423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/categories?post=302423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-tx\/wp-json\/wp\/v2\/tags?post=302423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}