Arizona's short-term rental framework does not mandate specific insurance requirements at the state level. Surprise recommends but may not require hosts to carry liability insurance. Platform host protection insurance from Airbnb or Vrbo provides some coverage.
Arizona's preemption framework (ARS 9-500.39) limits the extent to which cities can regulate short-term rentals beyond what state law explicitly allows. Insurance mandates are not among the specifically authorized local regulations. However, Surprise recommends that STR operators carry general liability insurance covering guest injuries and property damage. Hosts should verify that their homeowner's insurance policy covers short-term rental activity, as many standard policies exclude commercial hospitality use. Platform-provided host protection insurance from Airbnb (AirCover) and Vrbo provides supplemental coverage but may have exclusions. Mortgage lenders may also require notification of rental activity.
Operating without adequate insurance does not directly violate city code but exposes hosts to significant personal liability. Homeowner's insurance may deny claims arising from uninsured rental activity.
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