Insurance Requirements: Chandler vs Scottsdale
How do insurance requirements rules compare between Chandler, AZ and Scottsdale, AZ?
Chandler and Scottsdale have similar restriction levels.
Chandler, AZ
Maricopa County
Chandler requires all short-term rental operators to obtain a city license and maintain liability insurance. Separate applications are required for each rental property as of August 2023.
View full Chandler rules →Scottsdale, AZ
Maricopa County
Scottsdale requires all licensed STR properties to maintain liability insurance coverage of at least $500,000. This coverage may be obtained through a direct policy or through an online lodging marketplace (such as Airbnb's Host Protection Insurance).
View full Scottsdale rules →Key Facts Comparison
| Fact | Chandler | Scottsdale |
|---|---|---|
| License Required | Yes, per property | - |
| Insurance | Liability coverage required | - |
| TPT License | Also required | - |
| Effective Date | August 2023 | - |
| Minimum Coverage | - | $500,000 liability insurance |
| Coverage Source | - | Direct policy or marketplace host protection |
| Coverage Type | - | Bodily injury and property damage |
| Standard Homeowner's | - | May exclude STR activity — check with insurer |
| Proof | - | May be requested during licensing or inspection |
Highlighted rows indicate differences between cities.
Chandler FAQ
How do I get an STR license in Chandler?
Apply through the Chandler Business Registration portal at business.chandleraz.gov. A separate application is required for each rental property with proof of insurance.
What insurance do Chandler STR operators need?
Operators must maintain liability insurance coverage as part of their STR license requirements. Proof must be submitted with the application and maintained throughout operation.
Scottsdale FAQ
What insurance do I need for a Scottsdale STR?
Liability insurance with a minimum of $500,000 coverage, either through a direct policy or through a hosting platform's protection program.
Does my regular homeowner's insurance cover STR activity?
Often no. Many homeowner's policies exclude short-term rental activity. Contact your insurer to add an endorsement or obtain a separate commercial liability policy.
Does Airbnb's Host Protection Insurance satisfy Scottsdale's requirement?
Verify that the platform's coverage meets or exceeds the $500,000 minimum and covers all required claim types. Some operators obtain additional direct coverage for extra protection.
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