Showing ordinances that apply to Ajo, AZ
Ajo is an unincorporated community (population 3,039) in Pima County, Arizona. Because Ajo is not an incorporated city, it does not have its own municipal code. Instead, Pima County ordinances apply directly to properties here. The insurance requirements rules below are the ones that govern your area.
Pima County does not mandate STR insurance due to ARS 9-500.39 preemption. Standard homeowner policies often exclude commercial lodging. Dedicated STR coverage recommended.
Pima County cannot impose insurance requirements specifically targeting short-term rental operators due to ARS 9-500.39 state preemption. There is no county ordinance requiring STR hosts to carry commercial liability insurance or additional coverage. However, standard homeowner insurance policies typically exclude or limit coverage for commercial lodging activities. Most major STR platforms provide some host liability protection -- Airbnb offers AirCover with up to $1 million in liability coverage, and VRBO has a similar program. Insurance industry experts recommend STR hosts obtain a commercial liability rider or a dedicated short-term rental insurance policy. Arizona law does not mandate STR insurance at the state level either. Lenders and mortgage companies may require notification when a property is used for short-term rentals, as it may affect coverage terms.
No county penalties for lack of STR insurance. Hosts assume personal liability for uninsured losses. Standard negligence liability applies under Arizona tort law.
See how Ajo's insurance requirements rules stack up against other locations.
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