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

Section 6.33.030 of the Provo City Code sets out the additional documents a short-term rental applicant must file beyond the general business license application. Subsection (9) requires "proof of liability insurance for the rental dwellings to be licensed," submitted together with a Utah sales tax license and business entity registration (Subsection 4), a federal EIN (Subsection 5), and, for non-Utah-resident owners, a local agent living within twenty miles who can accept service of process (Subsection 8). The insurance proof accompanies a signed certification under Subsection (10) in which the owner certifies the dwelling's use and occupancy conforms to applicable ordinances and agrees to comply going forward.

Because 6.33.040 conditions license issuance and renewal on the application meeting every Chapter 6.33 requirement, a license cannot legally issue without the insurance documentation on file, and the license lapses on renewal if updated proof is not resubmitted. Short-term rental owners also fall under the general rental-dwelling licensing provisions incorporated by 6.33.060, including license denial (6.26.070, Provo City Code) and suspension or revocation (6.26.080, Provo City Code), so a lapse in coverage discovered after issuance exposes the license to the same denial or revocation process used for other rental dwellings citywide. Enforcement of Chapter 6.33 generally runs through Section 1.03.010(1), Provo City Code, per 6.33.080.