Ariz. Rev. Stat. » Title 20
Arizona Revised Statutes

Ariz. Rev. Stat. § 20-1105 (2026)

Insurable interest with respect to property insurance

✓ current as of May 2026
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A. No insurance contract on property or of any interest therein or arising therefrom shall be enforceable as to the insurance except for the benefit of persons having an insurable interest in the things insured.

B. "Insurable interest" as used in this section means any actual, lawful and substantial economic interest in the safety or preservation of the subject of the insurance free from loss, destruction or pecuniary damage or impairment.

C. The measure of an insurable interest in property is the extent to which the insured might be damaged by loss, injury or impairment thereof.

Notes of Decisions
Cited in 3 cases (1 in the last 5 years), 1980–2021 · leading case: Butler v. Farmers Ins. Co. of Arizona, 616 P.2d 46 (Ariz. 1980).
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Butler v. Farmers Ins. Co. of Arizona, 616 P.2d 46 (Ariz. 1980). · cites it 2× “The governing standard is set forth in A.R.S. § 20-1105(B): “Insurable interest” .”
Gaslight Inn v. Mut. of Enumclaw (Ariz. Ct. App. 2021). · cites it 6× “In other words, contrary to the Plaintiffs’ contention, A.R.S. § 20-1105 does not create an insurance agent- client relationship based on the existence of an insurable interest.”
nguyen/ta v. Am Com. (Ariz. Ct. App. 2014). · cites it 2× “ACIC’s reliance on objective data that counsel summarized (and produced to plaintiffs) does not itself put ACIC’s subjective intent at issue.”
— Ariz. Rev. Stat. § 20-1105(A) — 1 case
Gaslight Inn v. Mut. of Enumclaw (Ariz. Ct. App. 2021). “In other words, contrary to the Plaintiffs’ contention, A.R.S. § 20-1105 does not create an insurance agent- client relationship based on the existence of an insurable interest.”
— Ariz. Rev. Stat. § 20-1105(B) — 2 cases
Butler v. Farmers Ins. Co. of Arizona, 616 P.2d 46 (Ariz. 1980). “The governing standard is set forth in A.R.S. § 20-1105(B): “Insurable interest” .”
Gaslight Inn v. Mut. of Enumclaw (Ariz. Ct. App. 2021). “In other words, contrary to the Plaintiffs’ contention, A.R.S. § 20-1105 does not create an insurance agent- client relationship based on the existence of an insurable interest.”
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