Insurance Requirements: Orem vs Spanish Fork

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 Spanish Fork require liability insurance to run an Airbnb or Vrbo?

Spanish Fork's published Chapter 19.89 short-term rental framework and the Planning Commission's Short-Term Rental Ordinance Proposed Text Amendment memo do not list a stated commercial general liability minimum or a certificate-of-insurance filing as part of the STR licensing process. Utah Code Section 10-8-85.4 leaves any STR insurance mandate to local choice, and Spanish Fork has not codified one citywide. The conditional use permit issued under Sec. 15.3.08.060 may attach project-specific insurance conditions.

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

Standard Utah homeowner policies usually exclude commercial or short-term rental activity, and the Airbnb Host Liability Insurance and Vrbo Liability Insurance programs are designed as secondary coverage that sits behind a primary policy. Even though Spanish Fork has not codified a specific insurance minimum, most Utah STR carriers recommend at least $500,000 to $1,000,000 in commercial general liability coverage with a short-term rental endorsement. Confirm carrier-side requirements with a licensed Utah insurance broker before listing the property.