Peoria, AZ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Ordinance
- No. 2022-20 (October 2022)
- Permit
- Free, required
- Homeowner's Policy
- May exclude STR activity
- Platform Insurance
- Limited coverage
- TPT
- License and taxes required
- State Law
- ARS 9-500.39
Summary
Peoria's STR ordinance (No. 2022-20) requires operators to obtain a free permit and comply with safety standards. Standard homeowner's insurance may exclude STR activity. Platform insurance (Airbnb/VRBO) provides limited coverage. Personal STR insurance recommended. TPT license and taxes required.
8. 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. This paragraph does not apply to an owner of a vacation rental or short-term rental if the property contains an accesso
Full Breakdown
Peoria adopted STR Ordinance No. 2022-20 in October 2022. While the city's free permit system doesn't mandate specific insurance levels, operators should carry liability coverage. Standard homeowner's policies typically exclude commercial rental activity. Platform insurance provides limited coverage. A TPT license from the Arizona Department of Revenue is required. Arizona's state preemption (ARS 9-500.39) limits local regulation but allows health and safety enforcement.
Violations & Fines
Operating without a permit or TPT license may result in enforcement. Lack of insurance creates personal liability.
Frequently Asked Questions
Do I need insurance for a Peoria STR?
Is the Peoria STR permit free?
What taxes apply?
Sources & Official References
Other rules in Peoria
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