Scottsdale requires all licensed STR properties to maintain liability insurance coverage of at least $500,000. This coverage may be obtained through a direct policy or through an online lodging marketplace (such as Airbnb's Host Protection Insurance).
Under Ordinance 4566, every vacation and short-term rental property in Scottsdale must carry liability insurance with a minimum coverage of $500,000. This insurance must cover bodily injury and property damage claims arising from the STR use. The coverage may be obtained directly by the property owner through a homeowner's or commercial liability policy, or through an online lodging marketplace's host protection program (Airbnb, Vrbo, etc.). Operators should verify that marketplace coverage meets the minimum threshold and covers all potential claims. Standard homeowner's insurance may exclude STR activities, so a separate endorsement or commercial policy may be necessary. The $500,000 minimum applies regardless of property value or number of bedrooms. Proof of insurance may be requested during the licensing process or during inspections.
Operating an STR without the required $500,000 liability coverage may result in license suspension or revocation and fines.
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