Arizona lets Pinal County require short-term-rental hosts to carry liability insurance of at least $500,000, or to host only on a platform providing equivalent coverage. It is one of the few STR mandates the preemption statute allows.
A.R.S. 11-269.17 authorizes a county '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 alternatively to advertise and offer the rental through a hosting platform that provides equivalent coverage. This is one of the narrow, expressly permitted county regulations under the STR preemption. Whether or not Pinal County has enacted a local ordinance invoking it, prudent hosts should carry at least $500,000 in liability coverage; many major booking platforms include host liability protection that satisfies the standard.
Where a county adopts the insurance requirement, failing to maintain the $500,000 coverage can count toward verified violations supporting suspension of a county STR license. General insurance lapses also expose the host to full personal liability.
Other ordinances people look up for this city. Green dot = verified primary-source excerpt.
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See how Pinal County's insurance requirements rules stack up against other locations.
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