Utah County and its cities (Provo, Orem, Lehi, American Fork) commonly require short-term rental hosts to carry commercial liability insurance of $500,000 to $1 million before a business license or conditional use permit is issued.
Under Utah Code §10-8-85.4 and §17-50-338, municipalities and counties in Utah may require evidence of liability coverage as a condition of licensing short-term rentals. Provo Municipal Code Chapter 6.26 (Short-Term Rentals) and Orem City Code Title 22 both require proof of insurance listing the city as a certificate holder, typically $1,000,000 per occurrence, before a rental dwelling license is issued near BYU and UVU. Standard Utah homeowner policies from carriers like State Farm and Bear River Mutual exclude commercial lodging use, so hosts typically need a commercial STR endorsement or surplus lines policy. Airbnb's Host Protection coverage is generally treated as secondary and does not replace the primary certificate of insurance most Utah County jurisdictions require. Proof is typically reviewed annually at license renewal.
Operating without required insurance: license denial, revocation, or suspension. Provo imposes fines up to $750 per day for operating an unlicensed STR (Provo Code §6.26). Hosts face personal liability for uninsured guest claims, which can exceed $100,000 for serious injuries.
Utah County, UT
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Utah County, UT
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Utah County, UT
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Utah County, UT
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Utah County, UT
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Utah County, UT
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See how Utah County's insurance requirements rules stack up against other locations.
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