Glendale, AZ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum coverage
- $500,000.00 aggregate liability
- Alternative
- Online marketplace with equal/greater coverage
- Marketplace defined by
- A.R.S. § 42-5076
- Who must carry it
- The property owner
Summary
Glendale requires every short-term rental owner to carry at least $500,000 in aggregate liability insurance covering the rental, or to book exclusively through an online lodging marketplace that already provides equal or greater coverage.
(a)Insurance. The owner of a vacation rental or short-term rental shall maintain liability insurance appropriate to cover the vacation rental or short-term rental in the aggregate of at least five hundred thousand dollars ($500,000.00) or to advertise and offer each vacation rental or short-term rental through an online lodging marketplace that provides equal or greater coverage.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 115).
Full Breakdown
00. 00 aggregate. 00 floor before relying on it in place of a standalone policy. 3(c)(5), as part of the baseline an owner must satisfy to operate lawfully. 8.
Violations & Fines
Operating a vacation rental or short-term rental without the required $500,000.00 aggregate liability coverage, or without booking exclusively through a marketplace providing equal or greater coverage, is a failure to comply with § 29.1-41.6 and § 29.1-41.4's all-laws compliance mandate, exposing the owner to a notice of violation and the article's civil penalty structure under § 29.1-41.8, plus a potential license suspension under § 29.1-41.7 if verified violations accumulate.
Frequently Asked Questions
How much liability insurance does a Glendale short-term rental need?
Can I skip buying insurance if I list on Airbnb or VRBO in Glendale?
Sources & Official References
Other rules in Glendale
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