Queen Creek, AZ Short-Term Rentals: Insurance Requirements (2026)

Liability insurance for short-term rentals in Arizona is governed by A.R.S. § 9-500.39, which expressly authorizes a city or town to require that a short-term or vacation rental maintain liability insurance appropriate to cover the rental in the aggregate of at least $500,000, or to be covered by equivalent coverage through the online lodging marketplace used to book the stay. Major platforms such as Airbnb and VRBO commonly provide host liability coverage that meets or exceeds the $500,000 threshold, but operators who book directly or whose marketplace coverage is insufficient should carry their own qualifying policy. Queen Creek's published short-term rental program centers on free registration, the emergency contact, the TPT-license prerequisite and prohibited uses; the Town directs operators to its Development Services Department for the full registration requirements. Because the statute is the controlling source for the insurance figure, operators should treat the $500,000 aggregate liability standard as the benchmark and confirm with the Town whether proof of insurance must be submitted at registration. Verify current details with the Town at Development@QueenCreekAZ.gov or 480-358-3909.