Scottsdale, AZ
Landlord insurance in Scottsdale, Arizona
Coverage for rental homes and 2–4 unit buildings in Scottsdale, with local Census housing data. A quote is not a binder.
Scottsdale is home to roughly 244,394 people in Maricopa County, and about 33% of its 118,637 occupied homes are rented rather than owner-occupied, close to the Arizona rate of 33%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Scottsdale at a glance for landlords
| Measure | Scottsdale | Arizona |
|---|---|---|
| Renter-occupied homes | 33% (39,124) | 33% |
| Median owner-occupied home value | $789,800 | $394,500 |
| Median gross rent | $2,013/mo | $1,543/mo |
| Median year structure built | 1991 | 1992 |
| Homes in 2–4 unit buildings | 5% | 5% |
| Single-family homes (detached or attached) | 64% | 69% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Scottsdale rental
At a median home value of $789,800, Scottsdale is higher than Arizona overall ($394,500). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Scottsdale's median, the closest NAIC benchmark is the $700,000–$999,999 band, where the 2023 Arizona dwelling-fire average was $1,413. The all-amounts state figure was $636.
Loss-of-rents planning in Scottsdale
The Census median gross rent for Scottsdale, $2,013 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $24,156 per unit.
Building age and underwriting in Scottsdale
Scottsdale's median home dates to about 1991. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
What Scottsdale landlords typically own
Roughly 64% of Scottsdale homes are single-family, 5% sit in small 2–4 unit buildings, and 29% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Scottsdale versus other large Arizona communities
Phoenix has a renter share of 43% with homes valued around $420,700 at the median. Mesa has a renter share of 36% with homes valued around $408,000 at the median. For comparison, Chandler comes in at 35% rented and $507,800 median value, with median rent of $1,902. By renter share, Scottsdale is number 11 on our list of 25 Arizona cities. Buildings with five or more units hold about 29% of Scottsdale's homes; those generally need commercial apartment coverage rather than dwelling forms.
Scottsdale weather exposures that affect landlord claims
Typical Arizona property risks such as extreme heat and cooling-system strain and flash flooding in washes, which needs separate flood coverage affect owners in Scottsdale and the rest of Maricopa County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Scottsdale quote checklist
- Property location in Scottsdale and unit count
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
Request a Scottsdale landlord quote
Questions from Scottsdale rental owners
How many renters live in Scottsdale?
About 33% of occupied homes in Scottsdale, roughly 39,124 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Scottsdale landlords have to carry insurance?
Not by statute. In practice, a Scottsdale rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Scottsdale?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arizona dwelling-fire average of $636; see our Arizona page for the full table.
Other Arizona cities
Landlord insurance in Arizona · Cost by state
Last updated October 15, 2026. Sources and method: how we research.