Insurance Requirements: Goodyear vs Phoenix
How do insurance requirements rules compare between Goodyear, AZ and Phoenix, AZ?
Goodyear has fewer restrictions than Phoenix.
Goodyear, AZ
Maricopa County
Goodyear does not mandate specific insurance minimums for STR operators. Arizona state law has no STR insurance requirement. Operators should carry adequate liability coverage as standard homeowner's policies typically exclude commercial rental activity.
View full Goodyear 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 | Goodyear | Phoenix |
|---|---|---|
| City Mandate | No specific insurance requirement | - |
| State Law | No STR insurance mandate | - |
| Advisory | STR-specific coverage recommended | - |
| HOAs | May require proof of insurance | - |
| 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.
Goodyear FAQ
Does Goodyear require Airbnb insurance?
No. Neither the city nor state mandates insurance. Specialized STR or landlord insurance is strongly recommended.
Does my homeowner's insurance cover Airbnb?
Usually not. Most policies exclude commercial rental activity. Get specialized STR insurance.
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).
Compare other topics
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