Short-term rental insurance in Phoenix, AZ

Homeowners and landlord policies in Phoenix were not written for Airbnb or VRBO hosts, and they typically exclude paying-guest stays. Short-term rental insurance picks up the slack, covering your structure, host liability, and the rental income that vanishes when a covered event idles the property.

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Rated highly by short-term rental hosts in Phoenix.

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!

Get your Phoenix area short-term rental property covered

Phoenix’s short-term rental scene is thriving thanks to steady tourism, business travel, and year-round demand on Airbnb and VRBO. But even in a landlord-friendly state like Arizona, local registration rules and guest-related risks can put your investment at risk.

Steadily’s short-term rental insurance helps Phoenix hosts protect their apartments, condos, and rental homes from damage, liability, and income loss, so you can focus on earning, not worrying.

To keep a Phoenix short-term rental profitable through the busy season, it pays to carry a policy built for hosting rather than one written for a primary residence, and a quote takes only minutes.

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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The $500,000 Phoenix builds into your permit

Arizona requires short-term rental operators to carry at least $500,000 in liability coverage, and Phoenix bakes proof of it right into the permit application. You can meet it through a platform or your own policy, but a standard Arizona homeowners policy usually won't, because it's written for an owner-occupied home, not a rotating set of paying guests.

Relying on platform coverage alone is where the exposure hides. It goes quiet between bookings, it's thin on your own contents, and a direct booking falls outside it. A dedicated short-term rental policy carries the liability the state requires and protects the dwelling, your furnishings, and the income you lose if a covered event takes the rental offline.

In the desert, AC failures and monsoon storms make that property and income protection more than theoretical. Run a quick quote to see what short-term rental insurance costs for your Phoenix property.

Short-term rental rules every Phoenix host should know

Phoenix's short-term rental laws start from a fact the city can't change: Arizona bars it from banning rentals outright. What Phoenix can do is require a permit, and since late 2023 you register the property with Planning and Development for about $250, part of which means notifying every adjacent and diagonal neighbor with your permit number and a 24-hour emergency contact.

Because state law bars occupancy-based restrictions, there's no primary-residence requirement, so investors can operate. The application does require proof of insurance, a Maricopa County registration, and a state tax license, and casitas or ADUs can't be run as separate rentals. Operators also have to pass sex-offender screening rules the state built in.

Guests owe roughly 12.5% in combined transient lodging taxes, and you'll need a state TPT license to remit them. Operate without a permit and it's up to $1,000 per 30-day period, with escalating fines and suspension for repeat violations.