Insurance Requirements: Orem vs Provo

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.

Does Provo require liability insurance for short-term rentals?

Provo City Code Chapter 6.33 does not publish a specific minimum liability-insurance amount for STRs, and Utah Code Sec. 10-8-85.4 does not set a statewide minimum. Operators should still carry coverage because standard Utah homeowner policies typically exclude short-term rental business activity.

Is Airbnb or Vrbo platform coverage enough for a Provo STR?

Platform coverage (Airbnb Host Liability up to USD 1M per occurrence; Vrbo Liability Insurance) only applies to bookings made on that platform and is excess to any other coverage. Most operators carry a stand-alone commercial general liability policy or STR endorsement so they are protected for direct bookings, off-platform incidents, and gaps the platform program does not cover.

Will Provo ask for proof of insurance during licensing?

The published Chapter 6.33 text does not name a dollar minimum, but the license review process may include a request for an insurance certificate. Confirm current expectations with Provo Customer Service at 801-852-6000 before submitting an application.