Insurance Requirements: Glendale vs Scottsdale
How do insurance requirements rules compare between Glendale, AZ and Scottsdale, AZ?
Glendale has fewer restrictions than Scottsdale.
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 →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 | Glendale | Scottsdale |
|---|---|---|
| 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 | - |
| 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.
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.
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.
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