Short-term rental insurance in Utah

For Airbnb and VRBO hosts in Utah, a homeowners or landlord policy rarely covers the paying-guest stays that make a vacation rental work. Short-term rental insurance was made for hosts, covering your dwelling, guest-injury liability, and the nightly income a covered event like severe heat or storms can erase.

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Loved by short-term rental owners across Utah.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Protect your Utah rental with short-term rental insurance

Utah’s short-term rentals are popular in Salt Lake City, Park City, and Moab. Local Airbnb regulations and HOA rules make proper liability and property coverage essential.

Steadily’s short-term rental insurance protects vacation homes from guest damage and unexpected incidents. Keep your Utah rental compliant and secure, whether you self-manage or work with property management.

Given how quickly a single claim can outrun a year of Utah rental income, a dedicated short-term rental policy from Steadily covers the building, your liability, and the income you would lose after a covered loss.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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How much short-term rental insurance costs in Utah

Compared with a standard landlord policy, short-term rental insurance tends to run 15% to 25% more because a revolving door of guests carries more liability than a single long-term tenant.

Utah's heat and severe storms are among the risks insurers price into a short-term rental policy.

The biggest drivers of your cost are the home's value, its condition and age, your liability limits, and how often it is rented out.

A few minutes and your address are all it takes to get your real premium.

The short-term rental laws Utah hosts need to follow

In Utah, there is no single statewide short-term rental code; local governments set their own registration, permit, and zoning rules. Our rundown of short-term rental laws in Utah covers the specifics city by city.

A handful of cities have paused or capped new short-term rental permits entirely, so confirming that permits are still available where you own is a smart first step.

Occupancy and lodging taxes are part of the deal in most markets; some are handled by the booking platform, others land on you at filing time.

Carrying the right policy also reassures the platform and your guests, and it keeps a single incident from wiping out a season of earnings.

Learn more about Utah STR regulations