Insurance Requirements: Eagle Mountain vs Orem

Does Eagle Mountain require liability insurance for a short-term rental?

No. The Eagle Mountain Municipal Code does not require a specific minimum amount of liability or short-term rental insurance. Operators must obtain a city business license under Chapter 5.05, comply with Chapter 17.65 home business standards if rented from a residence, and remit the 1% transient room tax under Chapter 3.40, but no city-specified insurance limit is imposed.

Is platform coverage like Airbnb AirCover enough for an Eagle Mountain rental?

Eagle Mountain does not require any insurance, so platform coverage technically satisfies the city's lack of an insurance mandate. However, hosting platform protections are contractual, may be secondary to the host's policy, and typically do not replace a homeowner's or landlord's policy. Many standard homeowner's policies exclude short-term rental activity, so most operators carry separate short-term rental or commercial liability coverage as a matter of risk management, even though the city does not require it.

Does Orem require liability insurance to run an Airbnb or Vrbo?

Orem has no codified STR liability insurance requirement because the 2002 Chapter 22 zoning amendment prohibits transient lodging under 30 days in residential districts. There is therefore no city certificate-of-insurance filing or minimum coverage figure on the books. The 2025 draft STR text amendment (Utah PMN 772697) contemplated adding host requirements, but until adopted no city insurance minimum applies.

Will my homeowners policy cover short-term rental guests in Orem?

Standard homeowner policies typically exclude commercial or short-term rental use, and Airbnb's Host Liability and Vrbo's Liability Coverage are designed as secondary protection layered on top of a primary policy. Even though Orem has not codified an insurance minimum, hosts considering STR activity should add a short-term rental endorsement or buy a dedicated landlord/STR policy and confirm the underlying use is allowed under Chapter 22.