Insurance Requirements: Peoria vs Phoenix
How do insurance requirements rules compare between Peoria, AZ and Phoenix, AZ?
Peoria and Phoenix have similar restriction levels.
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 →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 | Peoria | Phoenix |
|---|---|---|
| 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 | - |
| 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.
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.
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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