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

Spanish Fork licenses short-term rentals through Chapter 19.89 of the Spanish Fork City Code, with conditional use permits issued under Sec. 15.3.08.060 in the limited zones where STRs are allowed (R-2-8, RM, Mixed Use, Neighborhood Commercial, Residential Office, and qualifying Planned Unit Developments / condominium projects of 8 or more units fronting private streets). Neither Chapter 19.89 nor the Planning Commission's Short-Term Rental Ordinance Proposed Text Amendment memo lists a stated commercial general liability minimum, named-additional-insured endorsement, or certificate-of-insurance filing as a standalone STR licensing requirement. Sec. 15.3.08.060 does authorize the Planning Commission to attach 'conditions or stipulations... to ensure that any anticipated detrimental effects are minimized,' so an individual conditional use permit could include an insurance condition tailored to the project, but Spanish Fork has not published a citywide STR insurance floor. Utah Code Section 10-8-85.4 limits city authority to ban STRs based solely on online advertising but does not impose a statewide STR insurance minimum on hosts; that decision is left to local ordinance. Hosts should still recognize that standard Utah homeowner policies generally exclude commercial or short-term rental activity, and that platform programs such as Airbnb's Host Liability Insurance and Vrbo's Liability Insurance are designed to function as secondary protection that sits behind a primary policy. Most Utah STR carriers and lenders financing rental investments recommend $500,000 to $1,000,000 in commercial general liability coverage with a dedicated short-term rental endorsement, even though Spanish Fork does not codify a minimum. Confirm carrier-side requirements with a licensed Utah insurance broker, and confirm any conditional use permit insurance condition with Spanish Fork Community Development at (801) 804-4500.