Scottsdale, Arizona
Short term rental insurance in Scottsdale.
Guests changing every few nights is a different risk than a tenant on a twelve month lease. If your Scottsdale property is on Airbnb or VRBO, the policy should be written for short term rental use.
In short
Short term rental insurance in Scottsdale can cover a home rented to guests for less than 30 days at a time, including the building, furnishings, lost booking income, and guest injury liability, depending on the policy. Scottsdale requires a city license for each short term rental, and Arizona law lets cities require liability insurance.
- The City of Scottsdale requires a license for each property offered for rent for less than 30 days.
- Arizona law lets cities require liability insurance of at least $500,000 in the aggregate, or listing through a platform that provides equal or greater coverage.
- Many homeowners policies limit business use, and many landlord policies are written for long term tenants.
- Pools, spas, and amenities matter to carriers, so describe them accurately.
Why a standard policy can fall short
Many homeowners policies exclude or limit business use of the home, and many landlord policies are written for long term tenants. Renting to short term guests can fall outside what either one expects. The platforms offer host protections, but those programs have their own limits and conditions and aren't a replacement for a policy written for how you use the property.
What a short term rental policy can include
- The building and your furnishings, which matter more in a furnished rental.
- Loss of income, which can replace booking revenue while a covered loss is repaired.
- Liability for guest injuries, with limits that fit a property hosting a steady stream of people.
- Pools, spas, and amenities, which many Scottsdale rentals have and which carriers ask about.
What to check before your next guest
- Does your policy say, in writing, that short term rental use is covered?
- Is the named insured the same as the owner on title, including any LLC?
- Do your liability limits fit, and does an umbrella policy list this property?
- Do you meet the city's short term rental rules and keep your license current? Ask the city about those requirements.
How Everhold helps STR hosts
The free Portfolio Ledger puts every property, policy, and renewal date on one screen and flags anything that doesn't match how you use the property. Then our 90/60/30 Renewal Protocol shops your coverage before every renewal, so you choose instead of just accepting the increase.
Quotes and coverage are subject to underwriting and carrier approval. Everhold Insurance is a licensed insurance agency in the State of Arizona. License # 3004512575.
Questions Scottsdale hosts ask
Straight answers.
Isn't Airbnb's host protection enough?
Platform programs can help, but they have their own limits, conditions, and exclusions, and they aren't a policy written for your property. Most hosts carry their own short term rental policy as well.
Can I use a landlord policy for a short term rental?
Some carriers allow it with the right endorsement; many don't. The policy needs to say short term rental use is covered. If it doesn't say so, ask.
Do I need an umbrella policy for an STR?
A short term rental hosts many people over a year, so liability matters. An umbrella can add limits above your policy. Make sure it lists the property and any LLC that owns it.
Do I need a license to run a short term rental in Scottsdale?
Yes. The City of Scottsdale requires a license for each property offered for rent for less than 30 days. The city also has notification and other requirements, so check its short term rental page for the current rules.
Does Arizona require insurance for short term rentals?
Arizona law lets cities require short term rental liability insurance of at least $500,000, or listing through a platform with equal or greater coverage. The rule is in the Arizona Revised Statutes, and each city decides what it requires.
Does short term rental insurance cover guest injuries?
A short term rental policy can include liability for guest injuries, but limits and exclusions vary. Pools, spas, and stairs raise the stakes, so check your liability limit and whether an umbrella policy lists the property.
Does short term rental insurance cover lost bookings?
Many short term rental policies include loss of income that can replace booking revenue while a covered loss is repaired. It usually doesn't cover a slow season or cancellations for other reasons.
Does my homeowners policy cover renting my own home to guests?
Often not, or only in a limited way. Many homeowners policies limit business use, so renting rooms or the whole home to guests can need an endorsement or a short term rental policy.
The Free 2 Minute Portfolio Ledger
Is your STR on the right policy?
Ready within 1 business day. Free, before you move a single policy.
Prefer to talk to a real person? We reply within four business hours.