Insurance Requirements: Sandy vs South Jordan
How do insurance requirements rules compare between Sandy, UT and South Jordan, UT?
South Jordan has fewer restrictions than Sandy.
Sandy, UT
Salt Lake County
Sandy does not mandate a specific STR insurance policy but operators should carry commercial lodging or short-term rental liability insurance; platform host protection is not a substitute.
View full Sandy 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 | Sandy | South Jordan |
|---|---|---|
| Fact | No specific city insurance minimum | - |
| 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.
Sandy FAQ
Does my homeowners insurance cover STR guests?
Usually no; most homeowners policies exclude commercial rental activity and require an STR endorsement.
Is Airbnb insurance enough?
AirCover provides some protection but has exclusions; a dedicated STR policy is recommended.
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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