Phoenix requires STR owners to maintain $500,000 in liability insurance before a permit can be approved, per Ordinance G-7156. This insurance requirement is a prerequisite for permit issuance under City Code Section 10-195. Proof of insurance must be submitted with the permit application.
Phoenix may require short-term rental hosts to maintain liability insurance covering guest injuries and property damage. Typical minimum coverage is $500,000 to $1,000,000. Standard homeowner policies often exclude commercial rental activity, so hosts may need a separate rider or commercial policy. Platform-provided insurance (like Airbnb Host Protection) may not satisfy local requirements. Proof of insurance may be required at permit renewal.
Operating without required insurance may result in permit denial or revocation. Hosts may face personal liability for uninsured claims.
Phoenix, AZ
Phoenix follows the 2018 Phoenix Building Construction Code Chapter 9 (IBC/IRC) and Ordinance G-5898 (effective April 18, 2014). Smoke alarms are required in...
Phoenix, AZ
Phoenix has no city ordinance restricting lawn ornaments, statuary, or year-round decorations on residential property. PCC Section 23 requires property maint...
Phoenix, AZ
Phoenix has no city ordinance regulating residential inflatable holiday displays. Size, lighting hours, and blower noise are governed by HOA CC&Rs. PCC Secti...
Phoenix, AZ
Phoenix has no municipal ordinance regulating residential holiday lights. Lighting timing, brightness, and animation are governed by subdivision CC&Rs and HO...
Phoenix, AZ
Phoenix requires building permits for outdoor kitchens with gas lines, plumbing, electrical wiring, or structural roofs. Trade permits filed through Planning...
Phoenix, AZ
Phoenix has no specific ordinance regulating residential smokers or pellet grills. ADEQ Rule R18-2-219 prohibits visible emissions exceeding 20 percent opaci...
Side-by-side rule comparisons with other cities in Maricopa County.
See how other cities in Maricopa County handle insurance requirements.
See how Phoenix's insurance requirements rules stack up against other locations.
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