Short-term rental insurance in Scottsdale, AZ

Put a Scottsdale home on Airbnb or VRBO and a standard homeowners policy backs out as soon as guests start paying to stay. Short-term rental insurance covers what is missing: the structure, host liability for guest injuries, and the booking income a covered event can wipe out.

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Highly rated by Scottsdale 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!

Why you need to protect your Scottsdale short-term rental property

Scottsdale’s short-term rental market is booming thanks to year-round sunshine, golf tournaments, and seasonal tourism. But with Arizona’s landlord-friendly laws and the city’s own registration requirements, Airbnb and apartment owners still face risks, from guest damage to liability and lost income.

Steadily’s short-term rental insurance helps Scottsdale property owners stay compliant and protected while maximizing returns in this desert hotspot.

Because paying guests turn a Scottsdale home into a business, a Steadily policy covers the guest-facing risks a homeowners or landlord policy leaves out.

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

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

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 to $2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, siding, windows, and wind damage to your rental. See what’s covered, deductibles, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

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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What Scottsdale's $500,000 requirement means for hosts

Arizona sets a $500,000 liability floor for short-term rental operators, and it applies in Scottsdale whether you cover it yourself or through a platform. Given how much of Scottsdale's business is event-adjacent, bachelor parties, golf trips, big group stays, that liability exposure is real, and a standard homeowners policy generally excludes it.

Platform coverage helps, but it only reaches so far. It doesn't cover the nights between bookings, it's limited on your own property, and it doesn't apply to a guest you book directly. A dedicated short-term rental policy carries the state's liability limit and adds protection for the dwelling, your contents, and lost income after a covered loss.

With larger groups come larger claims, which makes the right liability limit worth getting right. Run a quick quote to see what short-term rental insurance costs for your Scottsdale property.

The short-term rental laws Scottsdale hosts need to follow

Scottsdale's short-term rental laws can't ban rentals, Arizona forbids that, but the city licenses them tightly. Every property needs a city license, about $250 a year, and within 30 days of getting it you have to notify the surrounding homes with your license number, address, and a 24-hour contact. Maricopa County registration comes first, before anyone stays.

There's no primary-residence requirement, so this is an investor-friendly market on paper. Where Scottsdale pushes hardest is on party houses: a dedicated ordinance defines an event center and bans using a rental for weddings, corporate events, or big commercial gatherings, and the city enforces nuisance and party rules aggressively.

Guests owe combined transient lodging taxes in the low-to-mid teens, including a city rate that ticked up in 2025, and a state TPT license is required to remit. Fines escalate for unlicensed operation and repeat violations, and the city can suspend a license outright.