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