Insurance Requirements
Short-Term Rentals
Liability insurance minimums and other coverage that hosts must carry when renting their property to short-term guests.
How Insurance Requirements Rules Differ by Place
Mesa, AZ: Mesa STR Liability Insurance Requirements
Heavy RestrictionsMesa 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.
Scottsdale, AZ: Scottsdale Short-Term Rental Insurance Requirements
Heavy RestrictionsScottsdale 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…
Tucson, AZ: Short Term Rentals: Insurance Requirements
Heavy RestrictionsTucson STR operators must carry at least 500,000 dollars in liability insurance covering short-term rental use, as required by AZ Rev Stat 9-500.39. Proof of coverage must be submitted…
Marana, AZ: Marana Short-Term Rental Insurance Requirements
Few RestrictionsMarana does not impose a specific insurance requirement for short-term rental operators. ARS 9-500.39 preempts most local STR regulations. Property owners are advised to carry adequate…
Maricopa County, AZ: Short Term Rentals: Insurance Requirements
Few RestrictionsMaricopa County does not impose specific insurance requirements on STR operators in unincorporated areas. Arizona state law does not mandate STR-specific insurance either. Operators…
Oro Valley, AZ: Oro Valley Short-Term Rental Insurance Requirements
Few RestrictionsOro Valley does not impose STR-specific insurance requirements due to state preemption under ARS 9-500.39. However, standard homeowner insurance policies typically exclude short-term…
Insurance Requirements Rules by State
Statewide law governs this topic in many states. Each entry links to that state's full page.
Arizona
Heavy RestrictionsA.R.S. 9-500.39 requires Arizona short-term rental operators to maintain at least $500,000 in liability insurance or rent through a marketplace providing equivalent coverage.
California
Some RestrictionsCalifornia requires hosting platforms to warn hosts to check their lease and insurance before listing (Business and Professions Code 22592), and AB 537 requires short-term lodging…
Massachusetts
Heavy RestrictionsMassachusetts law requires short-term rental operators to maintain at least $1,000,000 in liability insurance covering each rental, unless intermediary provides equal coverage.
Washington
Heavy RestrictionsWashington requires short-term rental operators to maintain at least $1 million in primary liability insurance, or to operate through a platform providing equivalent coverage, under…
Cities & Counties with Insurance Requirements Rules
161 locations
Arizona
Arkansas
California
Other Short-Term Rentals Topics
Short-Term Rental Permits
Whether you need a license or permit to list your property on Airbnb, VRBO, or similar platforms, and what the application process looks like.
Noise Rules
Noise restrictions that apply specifically to short-term rental properties, including quiet hours and rules about parties and gatherings.
Taxes & Fees
Transient occupancy taxes, tourism fees, and other charges that hosts must collect from guests or pay to the city.
Short-Term Rental Parking Rules
Off-street parking requirements for rental guests, limits on the number of vehicles, and restrictions on street parking near rental properties.
Occupancy Limits
Maximum number of guests allowed per rental unit, often based on the number of bedrooms or square footage of the property.
Night Caps
Limits on how many nights per year a property can be rented as a short-term rental, sometimes called annual caps or night limits.
Host Presence Rule
Whether your city allows only home-sharing (host on-site during the rental) versus whole-home unhosted rentals, and the enforcement process for violations.
Primary-Residence-Only Rule
Rules limiting short-term rentals to a host's primary residence, including documentation required to prove residency and rules against operating multiple listings.
Extended Home Share
Cities like Los Angeles offer an extended permit allowing year-round whole-home rentals beyond the standard cap, eligibility criteria, fees, and review process.
Repeat Violator Strikes
Three-strike or escalating-penalty systems for hosts with repeated noise, occupancy, or registration violations, including permit revocation thresholds.
Host Platform Liability
When platforms (Airbnb, VRBO) are liable for unpermitted listings, registration-number display rules and platform takedown obligations.