Insurance Requirements: Mesa vs Peoria
How do insurance requirements rules compare between Mesa, AZ and Peoria, AZ?
Peoria has fewer restrictions than Mesa.
Mesa, AZ
Maricopa County
Mesa requires all short-term rental operators to maintain liability insurance coverage of at least $500,000 as a condition of their STR license under Title 5, Chapter 15.
View full Mesa rules →Peoria, AZ
Maricopa County
Peoria's STR ordinance (No. 2022-20) requires operators to obtain a free permit and comply with safety standards. Standard homeowner's insurance may exclude STR activity. Platform insurance (Airbnb/VRBO) provides limited coverage. Personal STR insurance recommended. TPT license and taxes required.
View full Peoria rules →Key Facts Comparison
| Fact | Mesa | Peoria |
|---|---|---|
| Minimum Coverage | $500,000 liability | - |
| Proof Required | With license application | - |
| Ongoing Requirement | Must maintain coverage | - |
| Code Reference | Title 5, Chapter 15 | - |
| Ordinance | - | No. 2022-20 (October 2022) |
| Permit | - | Free, required |
| Homeowner's Policy | - | May exclude STR activity |
| Platform Insurance | - | Limited coverage |
| TPT | - | License and taxes required |
| State Law | - | ARS 9-500.39 |
Highlighted rows indicate differences between cities.
Mesa FAQ
How much insurance do Mesa STR operators need?
Mesa requires a minimum of $500,000 in commercial general liability insurance coverage for all licensed short-term rental properties.
What happens if my STR insurance lapses in Mesa?
Failure to maintain the required $500,000 liability insurance can result in suspension or revocation of your Mesa STR license.
Peoria FAQ
Do I need insurance for a Peoria STR?
While not mandated at a specific level, standard homeowner's insurance likely excludes STR activity. Specialized coverage is recommended.
Is the Peoria STR permit free?
Yes. Peoria's STR permit is free but required.
What taxes apply?
You need a TPT license from the Arizona Department of Revenue and must collect applicable taxes.
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