Chapter 5.20 requires every permitted vacation rental to carry at least $500,000 in liability insurance, OR rent exclusively through a platform (Airbnb/Vrbo) that provides equal-or-greater primary liability coverage per transaction.
The $500,000 aggregate liability requirement mirrors Arizona's statewide STR law (A.R.S. §9-500.39). Owners satisfy it either by carrying their own commercial STR policy or by demonstrating that every rental transaction flows through a hosting platform that provides equivalent primary coverage. The owner must keep proof of insurance on file with the permit application and produce it on demand. Personal homeowners' policies typically do not satisfy this requirement.
Operating without the required insurance is a violation of Chapter 5.20 carrying the same escalating fines: $500/1 night for first, $1,000/2 nights for second, $3,500/3 nights for third-in-12-months. Permit suspension is also available.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
Lake Havasu City, AZ
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Lake Havasu City, AZ
Walls and fences over 6 feet in height require a building permit under Chapter 12.08 (the city's adopted Building Code). Retaining walls over 4 feet, or with...
Lake Havasu City, AZ
Every swimming pool, spa, or contained body of water must be enclosed by a minimum 5-foot barrier with self-closing, self-latching gates opening outward. Gap...
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