Insurance Requirements: Boston vs Revere
How do insurance requirements rules compare between Boston, MA and Revere, MA?
Boston and Revere have similar restriction levels.
Boston, MA
Suffolk County
Boston STR hosts must carry at least $1 million in liability coverage for the unit, either through a personal policy endorsement or the hosting platform.
View full Boston rules →Revere, MA
Suffolk County
Massachusetts state law requires every short-term rental operator to maintain at least $1,000,000 in liability insurance per stay under MGL c.175, §4F (added by the Acts of 2018, Chapter 337), unless the booking platform provides equal or greater coverage. Revere Code Chapter 8.09 layers a separate local requirement: a valid insurance binder of at least $250,000 per incident must be filed with the Office of Short Term Rental at registration.
View full Revere rules →Key Facts Comparison
| Fact | Boston | Revere |
|---|---|---|
| Minimum Coverage | $1,000,000 | - |
| Acceptable Source | Platform coverage or landlord policy | - |
| Filing | Certificate at registration | - |
| Condos | Check master policy and bylaws | - |
| State Statute | - | MGL c.175 §4F |
| State Enabling Act | - | Acts of 2018 c.337 |
| State Minimum Coverage | - | $1,000,000 per stay |
| Platform Carve-Out | - | Equal/greater platform coverage OK |
| Local Binder Required | - | $250,000 per incident |
| Local STR Code | - | Revere Code Ch. 8.09 |
| Annual Registration Fee | - | $300 nonrefundable |
| Renewal Deadline | - | End of January each year |
Highlighted rows indicate differences between cities.
Boston FAQ
Revere FAQ
How much liability insurance do I need for a Revere Airbnb?
Two requirements stack. State law (MGL c.175, §4F, added by the Acts of 2018, Chapter 337) requires at least $1,000,000 in liability coverage per stay - satisfied either by a dedicated STR policy or by hosting through a platform whose host-liability program provides equal or greater coverage. Separately, Revere Code Chapter 8.09 requires a valid local insurance binder of at least $250,000 per incident filed with the Office of Short Term Rental at registration. The state $1M floor controls.
Will my Revere 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 Revere hosts either add a short-term rental endorsement to their homeowner policy, 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 then file a $250,000 binder with the Office of Short Term Rental for the local Chapter 8.09 registration.
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