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

Glendale Code of Ordinances § 29.1-41.6 requires the owner of a vacation rental or short-term rental to maintain liability insurance appropriate to cover the rental in the aggregate of at least $500,000.00. The section offers an alternative compliance path built around the marketplace itself: an owner satisfies the requirement without a separate policy if the rental is advertised and offered exclusively through an online lodging marketplace, defined by cross-reference to A.R.S. § 42-5076, that provides equal or greater coverage than the $500,000.00 aggregate. That marketplace-coverage option covers listings on major booking platforms that carry their own host liability protection plans, but the owner bears the burden of confirming that the platform's coverage genuinely meets or exceeds the $500,000.00 floor before relying on it in place of a standalone policy.

Insurance sits alongside the article's other mandatory license-application elements, such as proof of a state transaction privilege tax license under § 29.1-41.3(c)(5), as part of the baseline an owner must satisfy to operate lawfully. Because § 29.1-41.4(a)(1) requires compliance with all applicable laws at all times, letting a policy lapse or advertising through a marketplace without equivalent coverage exposes the owner to the article's general enforcement tools, including notice of violation, civil citation, and the escalating penalty schedule in § 29.1-41.8.