Phoenix, AZ Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Code Section
- A.R.S. 9-500.39(B)(8); Phoenix City Code Sec. 10-197
- Minimum Coverage
- $500,000 aggregate liability
- Alternative
- Platform providing equal/greater coverage
Summary
Phoenix STR permit applicants must carry at least $500,000 in liability insurance for the rental, or advertise and book through a platform that provides equal or greater coverage.
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.
Full Breakdown
As a condition of the Phoenix short-term rental permit (Phoenix City Code Sec. 10-197, implementing A.R.S. 9-500.39(B)(8)), the owner must provide evidence of liability insurance appropriate to cover the rental in the aggregate of at least $500,000.00, or evidence that each booking is made through an online lodging marketplace that provides equal or greater coverage. Major platforms like Airbnb and Vrbo include host liability coverage that typically satisfies this requirement, but owners who book directly must carry their own $500,000 policy.
Violations & Fines
Failure to maintain the required insurance can result in denial or non-renewal of the STR permit and is a permit-eligibility violation under A.R.S. 9-500.39(B)(8).
Frequently Asked Questions
Do I need insurance for a Phoenix short-term rental?
Sources & Official References
Other rules in Phoenix
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