Insurance Requirements: Attleboro vs Taunton
How do insurance requirements rules compare between Attleboro, MA and Taunton, MA?
Attleboro and Taunton 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 →Taunton, MA
Bristol County
Taunton has no separate STR insurance ordinance, but Massachusetts MGL c. 175, § 4F (enacted by 2018 Ch. 337) requires every STR operator to maintain at least $1,000,000 in liability insurance per rental, unless the hosting platform (Airbnb, VRBO) provides equal or greater coverage.
View full Taunton rules →Key Facts Comparison
| Fact | Attleboro | Taunton |
|---|---|---|
| Statute | MGL c.175 §4F | MGL c. 175, § 4F |
| Enabling Act | Acts of 2018 c.337 | - |
| Minimum Coverage | $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 | None in Taunton |
| State Minimum | - | $1,000,000 liability per rental |
| Effective | - | July 1, 2019 (Acts 2018 Ch. 337) |
| Insurer Notice | - | Required to homeowners/renters insurer |
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.
Taunton FAQ
How much liability insurance does a Taunton short-term rental need?
At least $1,000,000 per rental under MGL c. 175, § 4F. Taunton has not added local requirements, so the state floor applies.
Does Airbnb's coverage satisfy Massachusetts' STR insurance law?
Yes, if the platform maintains equal or greater coverage. Airbnb Host Liability Insurance and VRBO Liability Insurance each provide $1M, which satisfies § 4F when the rental is offered through that platform.
Do I need to tell my homeowners insurer I'm running an Airbnb in Taunton?
Yes. MGL c. 175, § 4F requires written notice to any insurer writing your homeowners or renters policy. The insurer may exclude STR claims and has no duty to defend excluded claims.
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