Insurance Requirements: Attleboro vs Fall River
How do insurance requirements rules compare between Attleboro, MA and Fall River, MA?
Attleboro and Fall River have similar restriction levels.
Attleboro, MA
Bristol County
Massachusetts state law preempts this topic. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in Attleboro to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Attleboro has not adopted a separate local insurance ordinance.
View full Attleboro rules →Fall River, MA
Bristol County
Fall River STR operators must carry property liability insurance of at least $1,000,000 per occurrence. The figure mirrors the statewide mandate in MGL c.175, §4F (added by Chapter 337 of the Acts of 2018), which requires every short-term rental operator to maintain $1M in liability coverage per stay unless the booking platform provides equal or greater coverage. Proof of insurance must be submitted to Fall River Inspectional Services as part of registration.
View full Fall River rules →Key Facts Comparison
| Fact | Attleboro | Fall River |
|---|---|---|
| Statute | MGL c.175 §4F | MGL c.175 §4F |
| Enabling Act | Acts of 2018 c.337 | - |
| Minimum Coverage | $1,000,000 per stay | $1,000,000 per occurrence |
| Platform Carve-Out | Equal/greater platform coverage OK | Equal/greater platform coverage OK |
| Local Add-On | None in Attleboro code | - |
| Local Ord. | - | No. 2025-07 |
| Filed With | - | Fall River Inspectional Services |
Highlighted rows indicate differences between cities.
Attleboro FAQ
How much liability insurance do I need for an Attleboro Airbnb?
Massachusetts law (MGL c.175, §4F, added by the Acts of 2018, Chapter 337) requires at least $1,000,000 in liability coverage per short-term rental stay. The requirement is satisfied either by a dedicated STR policy or by hosting through a platform whose host-liability program provides equal or greater coverage.
Will my regular Attleboro homeowner policy cover Airbnb guests?
Usually no. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity. Most hosts either add a short-term rental endorsement, buy a dedicated landlord or STR policy, or rely on Airbnb's $1M AirCover or Vrbo's $1M Liability Insurance to satisfy the c.175, §4F mandate.
Fall River FAQ
How much liability insurance do I need for a Fall River short-term rental?
At least $1,000,000 per occurrence. Massachusetts MGL c.175, §4F (added by the Acts of 2018, Chapter 337) requires that minimum statewide, and Fall River Ordinance No. 2025-07 incorporates the same $1M threshold and requires proof of coverage be submitted to Inspectional Services with the local registration. The mandate is satisfied either by a dedicated STR/landlord policy or by hosting through a platform whose host-liability program provides equal or greater coverage.
Will my regular Fall River homeowner policy cover Airbnb guests?
Usually no. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity. Most hosts either add a short-term rental endorsement, buy a dedicated landlord or STR policy, or rely on Airbnb's $1M AirCover or Vrbo's $1M Liability Insurance to satisfy the c.175 §4F mandate and the Ordinance 2025-07 proof-of-insurance requirement.
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