Insurance Requirements: Chandler vs Tempe
How do insurance requirements rules compare between Chandler, AZ and Tempe, AZ?
Tempe has fewer restrictions than Chandler.
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 →Tempe, AZ
Maricopa County
Tempe's STR license ordinance (O2023.01) and Arizona law (ARS 9-500.39) establish the framework for STR insurance. Operators should carry liability insurance as standard homeowner's policies may exclude STR activity. STR platforms provide some host protection, but personal coverage is recommended. The annual $250 license fee helps fund enforcement.
View full Tempe rules →Key Facts Comparison
| Fact | Chandler | Tempe |
|---|---|---|
| License Required | Yes, per property | - |
| Insurance | Liability coverage required | - |
| TPT License | Also required | - |
| Effective Date | August 2023 | - |
| License | - | Tempe STR license required ($250/year) |
| License Penalty | - | Up to $1,000/month without license |
| Homeowner's Policy | - | May exclude STR activity |
| Platform Insurance | - | Limited host protection available |
| TPT Rate | - | 14.07% combined |
| State Law | - | ARS 9-500.39 |
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.
Tempe FAQ
Do I need insurance for my Tempe STR?
While not mandated at a specific level by the city, standard homeowner's insurance likely excludes STR activity. Specialized STR insurance is strongly recommended.
How much is the Tempe STR license?
The annual non-refundable fee is $250 per property. Failure to obtain a license carries penalties up to $1,000 per month.
What taxes do I pay on STR income in Tempe?
The combined TPT rate is 14.07%. You need a TPT license from the Arizona Department of Revenue.
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