Insurance Requirements: Glendale vs Phoenix
How do insurance requirements rules compare between Glendale, AZ and Phoenix, AZ?
Glendale and Phoenix have similar restriction levels.
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 →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 | Glendale | Phoenix |
|---|---|---|
| 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) | - |
| TPT License | Required from AZ DOR with region code GE | - |
| 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.
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.
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).
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