Insurance Requirements: Salt Lake City vs West Valley City
How do insurance requirements rules compare between Salt Lake City, UT and West Valley City, UT?
West Valley City 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 →West Valley City, UT
Salt Lake County
City does not mandate specific STR insurance but strongly recommended; Airbnb/Vrbo provide host protection programs.
View full West Valley City rules →Key Facts Comparison
| Fact | Salt Lake City | West Valley City |
|---|---|---|
| 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 | - |
| Fact | - | No city-mandated insurance minimum |
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.
West Valley City FAQ
Do I need special insurance to host in West Valley City?
Not by city rule, but your regular homeowners policy likely will not cover STR activity. A short-term rental endorsement or commercial policy is strongly recommended.
Is Airbnb AirCover enough?
It is a strong baseline but does not replace comprehensive host insurance; carry your own policy in addition.
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