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

Under Arizona state law ARS 9-500.39, municipalities are preempted from imposing most regulations specifically targeting vacation rentals and short-term rental properties. Marana does not require STR operators to maintain minimum liability insurance coverage or provide proof of insurance as a condition of operation. However, property owners should be aware that standard homeowner insurance policies typically exclude coverage for injuries or property damage arising from commercial short-term rental use. Major booking platforms such as Airbnb provide Host Protection Insurance and VRBO offers liability coverage, but these are supplemental and may not cover all scenarios. The Arizona Department of Insurance and Financial Institutions recommends that STR operators obtain a commercial liability rider or a dedicated short-term rental insurance policy. Umbrella policies can provide additional protection. In litigation-prone situations, an LLC structure combined with adequate insurance offers the best protection for Marana STR operators. Lenders with mortgages on the property may also require notification of short-term rental activity.