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

A.R.S. 9-500.39 authorizes Arizona cities to require that an owner 'maintain liability insurance appropriate to cover the vacation rental or short-term rental in the aggregate of at least $500,000 or to advertise and offer each vacation rental or short-term rental through a hosting platform that provides equal or greater coverage.' This $500,000 figure is the statutory ceiling on what a city may demand. Research did not find a separately adopted City of Maricopa ordinance formally imposing this insurance requirement, but the statute sets the benchmark, and major platforms such as Airbnb and Vrbo typically provide host liability coverage that meets or exceeds $500,000, which satisfies the statutory standard when a host lists exclusively through such a platform. As best practice - and to be ready if the city enforces the requirement - a Maricopa host should either carry a short-term-rental or commercial liability policy with at least $500,000 in aggregate coverage, or confirm that the platform's host protection meets that threshold. Standard homeowner's policies often exclude commercial short-term-rental activity, so hosts should specifically confirm coverage with their insurer. Verify current requirements with Maricopa Development Services and your insurance carrier before operating.