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.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Pima County, AZ
Pima County Code §9.30.070 restricts outdoor construction noise to permitted hours. Concrete work: 5 AM–7 PM (Apr 15–Oct 15) and 6 AM–7 PM (Oct 16–Apr 14). A...
Pima County, AZ
Pima County Code Chapter 9.30 and animal control code (Chapter 6.04) cover excessive animal noise. Pima Animal Care Center (PACC) handles barking dog complai...
Pima County, AZ
Pima County Code Chapter 9.30 prohibits excessive, unnecessary, or offensive noise that disturbs the peace or quiet of any neighborhood or causes discomfort ...
Pima County, AZ
Pima County has no outdoor music or amplified sound ordinance for unincorporated areas. ARS 13-2916 applies to unreasonable noise. Event venues may have CUP ...
Pima County, AZ
Pima County Zoning Code Chapter 18.67 regulates fences and walls in unincorporated areas. Front-yard walls max 3 feet in residential zones. Side/rear walls m...
Pima County, AZ
ARS 36-1681 requires 5-ft pool barriers with self-closing, self-latching gates in Pima County. Applies to all pools 18+ inches deep. Door alarms or safety co...
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