Insurance Requirements: Brockton vs North Plymouth
How do insurance requirements rules compare between Brockton, MA and North Plymouth, MA?
Brockton and North Plymouth have similar restriction levels.
Brockton, MA
Plymouth 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 Brockton to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Brockton has not adopted a separate local insurance ordinance.
View full Brockton rules →North Plymouth, MA
Plymouth County
Massachusetts law requires short-term rental operators to maintain at least $1,000,000 in liability insurance covering each rental, unless intermediary provides equal coverage.
View full North Plymouth rules →Key Facts Comparison
| Fact | Brockton | North Plymouth |
|---|---|---|
| Statute | MGL c.175 §4F | G.L. c. 64G Sec. 14 |
| Enabling Act | Acts of 2018 c.337 | - |
| Minimum Coverage | $1,000,000 per stay | $1,000,000 liability |
| Platform Carve-Out | Equal/greater platform coverage OK | - |
| Local Add-On | None in Brockton code | - |
| Platform Exception | - | If platform provides equal coverage |
| Scope | - | All MA short-term rentals |
Highlighted rows indicate differences between cities.
Brockton FAQ
How much liability insurance do I need for a Brockton 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 Brockton 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.
North Plymouth FAQ
Does Airbnb's host protection satisfy this?
Airbnb's AirCover and similar platform liability programs may satisfy the requirement if they provide at least $1,000,000 in coverage per occurrence for the rental property.
Can a city require more insurance?
Cities may impose additional registration but the $1,000,000 state minimum is the floor for all Massachusetts short-term rentals.
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