Short-term rental insurance in Arizona

Once a Arizona property hosts paying guests through Airbnb or VRBO, the homeowners policy you carry likely won't respond to a claim. Short-term rental insurance covers the home, your host liability, and the booking revenue lost when a covered event like severe heat or storms forces the rental offline.

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Highly rated by Arizona Airbnb hosts.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Protect your Arizona property with short-term rental insurance

Arizona’s booming Airbnb scene spans Phoenix, Scottsdale, and Sedona. State regulations and local ordinances continue to evolve, making compliance a must for short-term rental owners.

Steadily’s short-term rental insurance protects vacation homes from property damage, liability claims, and unexpected guest incidents. Whether you self-manage or use property management, we help Arizona homeowners stay protected and profitable.

Since a Arizona short-term rental faces risks a homeowners policy was never meant to cover, Steadily gives hosts one straightforward policy for property damage, liability, and lost rental income.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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Short-term rental insurance cost in Arizona

Short-term rental coverage generally lands about 15% to 25% above what the same property would cost as a long-term rental because hosting is closer to running a small business than renting to one long-term tenant.

In Arizona, severe-weather and extreme-heat exposure factor into where a premium settles.

The property's rebuild cost, its location, your liability limits, and extras like equipment or income coverage all move the number up or down.

Run a quick quote to see the exact cost for your short-term rental.

The short-term rental laws Arizona hosts need to follow

Whether you can host, and under what conditions, depends on where your Arizona property sits, since short-term rental rules are written locally rather than statewide. See Arizona's short-term rental regulations for a closer look.

Depending on the city, you may need to register your rental, carry a business license, meet safety and inspection standards, or stay under an annual night cap.

Most short-term rentals owe some combination of state and local lodging taxes, so it's worth confirming what your platform collects and what you have to file yourself.

Because some ordinances tie permits to carrying liability coverage, the right policy does double duty, keeping you compliant and covering the guest-related risks a homeowners policy won't.