Eagle Mountain, UT Short-Term Rentals: Insurance Requirements (2026)

Eagle Mountain has not adopted a short-term rental ordinance that requires operators to maintain a minimum amount of commercial general liability or short-term rental liability insurance. The relevant code chapters are EMMC Chapter 3.40 (Transient Room Tax), which imposes a 1% transient room tax on rents charged for short-term rentals, and EMMC Chapter 5.05 (Business Licenses), which requires every business operating in the city - including a home-based short-term rental - to obtain a business license, but neither chapter sets a city-mandated insurance amount. EMMC Chapter 17.65 (Home Businesses) regulates the use of a residence for commercial activity, including the hours of customer-facing operations (7:00 a.m. to 9:00 p.m.), the floor-area cap (no more than one-third of the dwelling), restrictions on signage and outdoor activity, and the prohibition on hazardous materials, but it does not require liability coverage. Utah Code 10-8-85.4 limits how Utah cities may regulate the listing and offering of short-term rentals on websites, but it does not preempt cities from adopting insurance requirements; Eagle Mountain has simply chosen not to do so to date. Hosts should be aware that their hosting platform's contractual coverage (such as Airbnb's AirCover or Vrbo's liability insurance) does not replace a homeowner's or landlord's policy, and many standard homeowner's policies exclude commercial use. Mortgage lenders and HOA covenants may impose their own insurance requirements that operate independently of city code. Operators using an accessory dwelling unit cannot rent short-term at all under EMMC Chapter 17.70, regardless of insurance carried. Confirm current requirements with Eagle Mountain Planning Division and Business Licensing before launching a rental.