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

Lehi's short-term rental program is administered through the Application for Short Term Rentals on lehi-ut.gov and the city's general business licensing process. The application's 'minimum information required' checklist consists of an aerial image of the property, a site plan showing which rooms are being rented, a parking plan, a building permit or Utah County record of completion, the applicant's tax returns showing the property listed as the applicant's primary residence, and a government-issued ID. A liability-insurance certificate, named-additional-insured endorsement, or stated minimum coverage figure does not appear in the application's published submittal list. Utah Code Section 10-8-85.4 limits a Utah city's ability to prohibit STRs based solely on online advertising but does not impose a statewide STR insurance minimum on hosts; that decision is left to local ordinance, and Lehi has not codified one in the application or in a published STR chapter. Hosts should still recognize that standard Utah homeowner policies generally exclude commercial or short-term rental activity, and that Airbnb's Host Liability Insurance and Vrbo's Liability Insurance program function as secondary protection that sits behind a primary policy. Most Utah STR insurance carriers (and lenders financing rental investments) will recommend $500,000 to $1,000,000 in commercial general liability coverage and a dedicated short-term rental endorsement, even though Lehi does not require it as a licensing condition. Confirm any policy decision with a licensed Utah insurance broker, and confirm any new licensing requirements with the Lehi Planning Division at (385) 201-1030, since the city has periodically reviewed STR ordinance updates and may add an insurance condition in a future amendment.