Insurance Requirements: Salt Lake City vs South Jordan
How do insurance requirements rules compare between Salt Lake City, UT and South Jordan, UT?
South Jordan has fewer restrictions than Salt Lake City.
Salt Lake City, UT
Salt Lake County
Salt Lake City requires $1,000,000 liability insurance per SLC Code Chapter 5.90 for all short-term rentals. Proof of coverage is submitted with conditional use permit and business license applications.
View full Salt Lake City rules →South Jordan, UT
Salt Lake County
South Jordan does not impose a stand-alone liability insurance mandate on short-term rental hosts. STRs are allowed in condos, townhouses, single-family houses, and detached guest houses with an approved ADU permit; internal/basement ADUs are not allowed to be used as STRs. Hosts must obtain a City business license under Title 5 of the Municipal Code (and a Chapter 5.38 home occupation license if customers visit the home), and Utah does not have a statewide STR insurance statute. Utah Code 10-8-85.4 prohibits the City from punishing a host solely for listing the property on an STR website, but does not address insurance, so coverage is left to the host's contracts, platform protections (Airbnb AirCover, Vrbo Liability Insurance), and any conditions the City may attach to a home occupation or business license.
View full South Jordan rules →Key Facts Comparison
| Fact | Salt Lake City | South Jordan |
|---|---|---|
| Minimum Coverage | $1,000,000 liability | - |
| Code Section | SLC 5.90.070 | - |
| Certificate Type | ACORD, annual renewal | - |
| Platform Coverage | Not sufficient alone | - |
| Lapse Result | License suspension | - |
| Local Insurance Mandate | - | None (no STR-specific requirement) |
| State Insurance Mandate | - | None statewide |
| Allowed STR Types | - | Condos, townhouses, SFH, detached guest houses (ADU) |
| Prohibited STR Type | - | Internal/basement ADUs |
| Business License | - | Required (Municipal Code Title 5) |
| Home Occupation License | - | Required if customers visit (MC 5.38.010) |
| State STR Speech Statute | - | Utah Code 10-8-85.4 |
| STR Definition (state) | - | Less than 30 consecutive days |
Highlighted rows indicate differences between cities.
Salt Lake City FAQ
Does Airbnb's AirCover satisfy SLC's insurance requirement?
No. SLC requires a standalone $1M commercial general liability policy with certificate of insurance. Platform coverage is supplemental only.
Will my homeowners policy cover an STR?
Usually not. Most homeowner policies exclude business use. You'll need an STR endorsement or a commercial policy to comply with §5.90.070.
South Jordan FAQ
Does South Jordan require liability insurance to run an Airbnb?
No. South Jordan has not adopted a short-term rental-specific liability insurance ordinance, and Utah does not have a statewide STR insurance statute. Hosts must obtain a Title 5 business license and, where applicable, a Chapter 5.38 Home Occupation license, but neither sets a fixed insurance amount. The $1 million liability figure cited by some insurers is a commercial product, not a statutory minimum.
What licenses do I need to operate an STR in South Jordan?
You need a City business license under Title 5 of the South Jordan Municipal Code, applied through the CityView portal, and (because customers visit) a Home Occupation license under Section 5.38.010. The property must be a condo, townhouse, single-family house, or detached guest house with an approved ADU permit; internal/basement ADUs are not allowed to be used as STRs. State law (Utah Code 10-8-85.4) bars the City from punishing you solely for listing on a website, but you must still hold the local licenses.
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