Insurance Requirements: Attleboro vs New Bedford
How do insurance requirements rules compare between Attleboro, MA and New Bedford, MA?
Attleboro and New Bedford 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 →New Bedford, MA
Bristol County
Massachusetts state law preempts STR insurance. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in New Bedford to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. New Bedford's Section 3400 STR ordinance separately requires hosts to demonstrate adequate insurance as part of the local registration package.
View full New Bedford rules →Key Facts Comparison
| Fact | Attleboro | New Bedford |
|---|---|---|
| Statute | MGL c.175 §4F | - |
| Enabling Act | Acts of 2018 c.337 | Acts of 2018 c.337 |
| Minimum Coverage | $1,000,000 per stay | $1,000,000 per stay |
| Platform Carve-Out | Equal/greater platform coverage OK | Equal/greater platform coverage OK |
| Local Add-On | None in Attleboro code | - |
| State Statute | - | MGL c.175 §4F |
| Local Filing | - | Required under Sec. 3400 |
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.
New Bedford FAQ
How much liability insurance do I need for a New Bedford 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. New Bedford's Chapter 9, Section 3400 also requires you to demonstrate adequate insurance as part of the local STR registration.
Will my regular New Bedford 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 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.
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