Orem City Code Chapter 22 does not establish a short-term rental insurance requirement because the 2002 zoning amendment prohibits transient lodging under 30 days in residential districts, so the city has not codified a liability minimum, certificate-of-insurance filing, or homeowner-policy endorsement rule for STR operators. Utah Code does not impose a statewide STR insurance mandate either; HB 217 (2024) limits cities' ability to ban STRs solely on advertising but leaves insurance as a local choice not yet exercised by Orem.
Because the underlying use has been prohibited in residential zones since 2002, Orem's existing Chapter 22 Zoning Code contains no separate STR licensing chapter, no certificate-of-insurance filing requirement, and no codified liability minimum for short-term rental hosts. Operators of any commercial lodging that is permitted (for example a hotel in the city's commercial districts) operate under standard Utah commercial insurance and Utah State Construction Code occupant-load rules rather than a city-imposed STR liability schedule. Utah Code § 10-8-85.4 and HB 217 (2024) restrict municipalities from prohibiting STRs based solely on online advertising and address local taxation, but do not impose a statewide insurance minimum on hosts; that is left to the local ordinance. The 2025 Short-Term Rental Ordinance Proposed Text Amendment (Utah PMN 772697) reviewed by the Planning Commission and City Council included discussion of operational requirements that other Utah cities (Park City, Moab, Panguitch) layer in - typically proof of liability insurance, a posted local contact, and life-safety equipment - but those provisions are not yet in adopted Orem code. Hosts who do operate under Utah's homestay/STR economy should still expect that standard homeowner policies generally exclude commercial or short-term rental activity and that platforms such as Airbnb's Host Liability Insurance and Vrbo's Liability Insurance program provide secondary, not primary, coverage. If Orem adopts the proposed ordinance, expect a certificate-of-insurance filing requirement and a stated minimum liability amount to appear in the new chapter; until then no city-mandated STR liability minimum applies.
Operating a short-term rental in an Orem residential zone is itself a zoning violation under the 2002 Chapter 22 amendment, regardless of insurance coverage. Code Enforcement may issue cease-and-desist notices and refer matters for civil penalties or injunctive relief under Utah Code § 10-9a-803. Hosts whose homeowner policies exclude commercial rental activity may also face denied claims after a guest incident, independent of any city ordinance.
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