Arizona has no statewide STR insurance mandate, but cities can require coverage as a permit condition. Bullhead City requires at least $1 million in liability insurance for its short-term rental permit.
Unlike some states, Arizona does not set a statewide minimum insurance requirement for short-term rentals. Coverage requirements instead come from cities that license STRs. Bullhead City requires proof of at least $1 million in liability insurance to obtain and keep a short-term rental permit. Standard homeowner policies often exclude commercial rental activity, so hosts usually need a rider or a dedicated STR or commercial policy. Platform-provided protection, like Airbnb's host liability coverage, may not satisfy a city's requirement, so hosts should confirm with the permitting office. In the unincorporated county, insurance is not a registration prerequisite.
Operating a city-permitted STR without the required insurance can lead to permit denial or revocation. Uninsured hosts also risk personal liability for guest injury or property-damage claims.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Mohave County's insurance requirements rules stack up against other locations.
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