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Maricopa County, AZ Short-Term Rentals: Insurance Requirements (2026)

Few Restrictions

Verified 1 month ago|Source: Arizona State Legislature →

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Key Facts

County Requirement: No STR-specific insurance mandate
State Law: No state STR insurance requirement
Best Practice: Liability insurance recommended
Platform Coverage: Airbnb/VRBO offer host protection

City-specific rules exist: Chandler, Gilbert, Glendale, Phoenix, Mesa, Surprise, Goodyear, Tempe, Peoria, and Scottsdale have their own insurance requirements rules that differ from Maricopa County's county-level regulations. If you live in one of those cities, check the city-specific page instead.

Summary

Maricopa County does not impose specific insurance requirements on STR operators in unincorporated areas. Arizona state law does not mandate STR-specific insurance either. Operators should carry adequate homeowner's or landlord liability insurance as a best practice.

Full Breakdown

Maricopa County does not impose specific insurance requirements on short-term rental operators in unincorporated areas. Arizona's statewide STR framework under SB 1168 (2016) and SB 1379 (2022) does not mandate minimum liability insurance coverage for STR hosts. However, platforms like Airbnb and Vrbo provide host protection insurance programs that cover certain liability claims. Property owners are strongly advised to obtain adequate homeowner's or landlord insurance with STR endorsements, as standard homeowner policies often exclude commercial rental activity in the arid Maricopa County market where visitor injuries from desert hazards can generate significant liability.

Violations & Fines

Specific penalty amounts for this ordinance are not published in a publicly accessible fine schedule. Contact Maricopa County code enforcement directly for current fines, enforcement procedures, and hearing options.

Frequently Asked Questions

What insurance should I carry for my short-term rental?

While not mandated by the county or state, hosts should carry commercial liability insurance or an STR-specific policy. Standard homeowner policies typically exclude commercial guest activity.

Does my platform like Airbnb provide insurance?

Major platforms offer host protection programs, but these have coverage gaps. It is advisable to carry your own liability policy in addition to any platform-provided coverage.

Can my HOA require STR insurance?

Yes. HOAs may impose insurance requirements on short-term rental operators through their CC&Rs, independent of any county or state mandate.

How does Maricopa County compare?

See how Maricopa County's insurance requirements rules stack up against other locations.

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Maricopa County, AZ Short-Term Rentals: Insurance Requirements (2026)

Key Facts

Summary

ARS §9-500.39(B)(8)

Full Breakdown

Violations & Fines

Frequently Asked Questions

Sources & Official References

Related Maricopa County Ordinances

Parking Rules: Loading Zones

Parking Rules: Curb Color Rules

Fire Regulations: Smoke Detectors

Home Business: Home Occupation Permits

Rental Inspections: Lead-Hazard Inspections

Tree Protection: Parkway Planting

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