Vacation Rental Insurance in Scottsdale & Arizona
Protect your Airbnb, VRBO, or short-term rental property with specialized coverage designed for the unique risks of vacation rentals. Serving Scottsdale property owners since 2009.
Get a Custom QuoteWhy Standard Homeowners Insurance Isn't Enough
Running a vacation rental exposes you to risks that traditional home insurance doesn't cover. Here's what you need to know.
Business Activity Exclusion
Most homeowners policies exclude coverage when you rent your property for income. One claim could leave you completely unprotected.
Guest Liability Risks
Guests can get injured on your property, damage neighboring homes, or cause liability claims that require specialized coverage.
Income Loss Protection
If your property becomes uninhabitable, you need coverage for lost rental income while repairs are made.
Comprehensive Vacation Rental Coverage
Custom-built policies that protect your investment and your peace of mind.
Property Damage Coverage
Protection for your building, furnishings, and contents from fire, theft, vandalism, and weather damage.
Liability Protection
Coverage for guest injuries, property damage claims, and legal defense costs up to $1M or more.
Loss of Rental Income
Reimbursement for lost bookings when your property is uninhabitable due to a covered loss.
Guest Property Coverage
Protection for guests' personal belongings damaged or stolen while staying at your property.
Ordinance or Law Coverage
Additional coverage for building code upgrades required during repairs or rebuilding.
Equipment Breakdown
Coverage for HVAC, appliances, and systems that break down from mechanical failure.
Scottsdale Vacation Rental Considerations
Desert Climate Risks
Arizona's extreme heat, monsoon storms, and dust storms create unique property risks. We'll ensure your policy accounts for these local hazards.
Pool & Spa Liability
Many Scottsdale vacation rentals feature pools and spas. These amenities require enhanced liability coverage and specific safety requirements.
HOA Requirements
Some Scottsdale communities have restrictions or requirements for short-term rentals. We'll help ensure your coverage meets HOA mandates.
High-Value Properties
Scottsdale's luxury market demands adequate coverage limits. We specialize in properly valuing and protecting high-end vacation rentals.
Our Consultative Approach
We don't sell one-size-fits-all policies. Here's how we custom-build your coverage.
Property Assessment
We review your property details, rental activity, amenities, and local risks.
Risk Analysis
Identify gaps in coverage and exposures unique to your vacation rental operation.
Custom Policy Design
Build a comprehensive policy tailored to your specific property and rental model.
Ongoing Partnership
Annual reviews and adjustments as your rental business grows and changes.
Why Scottsdale Property Owners Choose Us
Local Expertise
Serving Scottsdale since 2009. We understand Arizona's unique vacation rental market and insurance requirements.
Specialty Focus
Vacation rentals are one of our core specialties. We know the coverage inside and out.
Trusted Advisor
We're here for the long haul—building relationships based on trust, not just transactions.
Ready to Protect Your Vacation Rental Investment?
Get a custom quote designed specifically for your Scottsdale vacation rental property. No generic policies—just comprehensive protection built for you.
Get Your Custom Quote