Mesa, AZ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum Coverage
- $500,000 liability
- Proof Required
- With license application
- Ongoing Requirement
- Must maintain coverage
- Code Reference
- Title 5, Chapter 15
Summary
Mesa requires all short-term rental operators to maintain liability insurance coverage of at least $500,000 as a condition of their STR license under Title 5, Chapter 15.
To require the vacation rental or short-term rental to 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 an online lodging marketplace that provides equal or greater coverage. 9. To require the owner of a vacation rental or short-term rental to reside on the property if the property contains an accessory dwelling unit and if a certificate of occupancy, certificate of completion or similar final approval for the accessory dwelling unit was issued by the municipality on or after September 14, 2024.
Full Breakdown
All licensed short-term rental operators in Mesa must maintain commercial general liability insurance with minimum coverage of $500,000. Proof of insurance must be submitted with the license application and maintained throughout the license period. This requirement protects guests and neighbors from potential damages. Insurance must cover the specific property being rented. Failure to maintain required coverage can result in license suspension or revocation.
Violations & Fines
Operating without required insurance coverage may result in STR license suspension or revocation. The city may also impose fines for non-compliance with licensing conditions.
Frequently Asked Questions
How much insurance do Mesa STR operators need?
What happens if my STR insurance lapses in Mesa?
Sources & Official References
Other rules in Mesa
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