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

South Jordan has not adopted a short-term rental-specific insurance ordinance. The City's Planning FAQ confirms that STRs are an allowed residential use in condos, townhouses, single-family houses, and detached guest houses operating under an approved Accessory Dwelling Unit permit, while expressly disallowing the use of internal ADUs (such as finished basement apartments) as STRs. Hosts who operate an STR are subject to the City's general business license framework in Title 5 of the South Jordan Municipal Code, administered by the City's Business Licensing Division; the application is processed through the CityView portal and requires Utah Department of Commerce business registration, an EIN, a Utah Sales Tax Number where applicable, and Health Department approval where applicable, but does not include a city-level liability insurance requirement. If the STR involves customers or clients visiting the home (which it does), South Jordan Municipal Code Section 5.38.010 also requires a Home Occupation license; Chapter 5.38 conditions a home occupation on it being secondary and incidental to the residential use and having no significant impact on the neighborhood, and requires a signed Ordinance Agreement and floor plan, but does not set a fixed insurance amount. At the state level, there is no Utah statute that imposes a uniform STR liability insurance amount on hosts; the $1 million liability figure cited by some commercial insurers (such as Proper Insurance) reflects a private policy product, not a statutory minimum. The Utah Short-Term Rental statutes (Utah Code 10-8-85.4 for cities and Utah Code 17-50-338 for counties) define a short-term rental as a residential unit or portion offered for fewer than 30 consecutive days, prohibit a city or county from enacting or enforcing an ordinance that bars listing on a short-term rental website, and prohibit punishing a person solely for the act of listing; recent amendments require certain owners to disclose their sales and use tax license on listings. Neither statute mandates liability insurance, so insurance coverage in South Jordan is governed by the host's homeowner's or commercial-host policy, the platform's host protection (Airbnb AirCover, Vrbo Liability Insurance), and any case-by-case conditions Business Licensing or Code Compliance may attach to a particular Home Occupation license.