Insurance Requirements: Gilbert vs Phoenix
How do insurance requirements rules compare between Gilbert, AZ and Phoenix, AZ?
Phoenix 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 →Phoenix, AZ
Maricopa County
Phoenix STR permit applicants must carry at least $500,000 in liability insurance for the rental, or advertise and book through a platform that provides equal or greater coverage.
View full Phoenix rules →Key Facts Comparison
| Fact | Gilbert | Phoenix |
|---|---|---|
| License Required | Per property | - |
| Insurance | Liability coverage required | - |
| Emergency Contact | Must be designated | - |
| TPT License | Also required | - |
| Code Section | - | A.R.S. 9-500.39(B)(8); Phoenix City Code Sec. 10-197 |
| Minimum Coverage | - | $500,000 aggregate liability |
| Alternative | - | Platform providing equal/greater coverage |
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.
Phoenix FAQ
Do I need insurance for a Phoenix short-term rental?
Yes. You must carry at least $500,000 in liability insurance, or book exclusively through a platform like Airbnb or Vrbo that provides equal or greater coverage, per A.R.S. 9-500.39(B)(8).
Compare other topics
See how Gilbert and Phoenix compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool