Tucson STR operators must carry at least 500,000 dollars in liability insurance covering short-term rental use, as required by AZ Rev Stat 9-500.39. Proof of coverage must be submitted annually with STR registration and the policy must name the operator and include the rental property address.
Platform-provided coverage such as Airbnb AirCover or Vrbo Liability Insurance can satisfy the requirement only if the platform confirms coverage meets the 500,000 dollar minimum and extends to each booking. Hosts using multiple platforms or direct bookings generally need a dedicated commercial short-term rental policy. Standard homeowner policies typically exclude STR activity and will not satisfy the requirement. Lapse in coverage is grounds for immediate STR license suspension.
Operating without valid insurance is a 1,000 to 3,500 dollar fine and license revocation. Uninsured loss claims may also expose operator to personal liability not covered by homeowner policy exclusions.
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