Arizona Statewide Rule
Arizona Short-Term Rental Liability Insurance Mandate
Key Facts
- Minimum coverage
- $500,000 liability
- Statute
- A.R.S. 9-500.39(A)(3)
- Marketplace alternative
- Allowed if equivalent
- Proof
- Required on request
Summary
A.R.S. 9-500.39 requires Arizona short-term rental operators to maintain at least $500,000 in liability insurance or rent through a marketplace providing equivalent coverage.
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 to advertise and offer each vacation rental or short-term rental through an online lodging marketplace that provides equal or greater coverage.
Full Breakdown
Effective from 2022 amendments, A.R.S. 9-500.39 mandates that vacation rental and short-term rental owners maintain liability insurance of at least $500,000 covering the rental property, or offer the rental exclusively through an online lodging marketplace that provides equal or greater coverage for each stay. Proof of insurance must be available upon request to the municipality and to renters.
Violations & Penalties
Operating without required insurance may result in permit denial or revocation and verified violation penalties up to $3,500.
Frequently Asked Questions
Does Arizona require STR liability insurance?
Does Airbnb's host coverage satisfy Arizona's requirement?
Sources
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