Insurance Requirements: Glendale vs Tempe
How do insurance requirements rules compare between Glendale, AZ and Tempe, AZ?
Glendale and Tempe 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 →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 | Glendale | Tempe |
|---|---|---|
| State Law | ARS 9-500.39 preempts most local STR regulation | ARS 9-500.39 |
| City Ordinance | Section 29.1-41 - registration required | - |
| Platform Insurance | Airbnb/VRBO provide host protection (limited) | Limited host protection available |
| Homeowner's Policy | May exclude commercial/STR activity | May exclude STR activity |
| TPT Rate | 15.7% combined (TPT + transient tax) | 14.07% combined |
| TPT License | Required from AZ DOR with region code GE | - |
| License | - | Tempe STR license required ($250/year) |
| License Penalty | - | Up to $1,000/month without license |
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.
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.
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