Insurance Requirements: Gilbert vs Scottsdale
How do insurance requirements rules compare between Gilbert, AZ and Scottsdale, AZ?
Gilbert and Scottsdale have similar restriction levels.
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 →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 | Gilbert | Scottsdale |
|---|---|---|
| License Required | Per property | - |
| Insurance | Liability coverage required | - |
| Emergency Contact | Must be designated | - |
| TPT License | Also required | - |
| 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.
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.
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.
Compare other topics
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