Insurance Requirements: Gilbert vs Glendale
How do insurance requirements rules compare between Gilbert, AZ and Glendale, AZ?
Glendale has fewer restrictions than Gilbert.
Gilbert, AZ
Maricopa County
Gilbert requires all STR operators to obtain and maintain a Town STR license under the June 2023 ordinance. Operators must meet insurance and emergency contact requirements.
View full Gilbert rules →Glendale, AZ
Maricopa County
Arizona state law (ARS 9-500.39) and Glendale's short-term rental ordinance (Section 29.1-41) require STR operators to maintain appropriate insurance. While Arizona preempts most local STR regulation, the city requires emergency contact registration and compliance with health and safety standards. STR platforms like Airbnb provide host protection insurance, but operators should carry their own liability coverage.
View full Glendale rules →Key Facts Comparison
| Fact | Gilbert | Glendale |
|---|---|---|
| License Required | Per property | - |
| Insurance | Liability coverage required | - |
| Emergency Contact | Must be designated | - |
| TPT License | Also required | Required from AZ DOR with region code GE |
| State Law | - | ARS 9-500.39 preempts most local STR regulation |
| City Ordinance | - | Section 29.1-41 - registration required |
| Platform Insurance | - | Airbnb/VRBO provide host protection (limited) |
| Homeowner's Policy | - | May exclude commercial/STR activity |
| TPT Rate | - | 15.7% combined (TPT + transient tax) |
Highlighted rows indicate differences between cities.
Gilbert FAQ
How do I get an STR license in Gilbert?
Apply through Gilbert's Business Registration and Licensing portal. Each property needs its own license with proof of insurance and an emergency contact.
What insurance do Gilbert STR operators need?
Operators must maintain liability insurance as a condition of their STR license. Contact Gilbert's licensing division for specific coverage requirements.
Glendale FAQ
Do I need special insurance for a short-term rental in Glendale?
While not specifically mandated by city ordinance, standard homeowner's insurance may exclude STR activity. You should obtain specialized STR insurance or a commercial rider.
Does Airbnb insurance cover me?
Airbnb provides host protection insurance, but it has coverage limits and exclusions. Carrying your own liability policy is strongly recommended.
What taxes do I need to pay on STR income in Glendale?
Glendale STRs are subject to a combined 15.7% TPT rate. You need a TPT license from the Arizona Department of Revenue with region code GE.
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