Insurance Requirements: Cambridge vs Lowell
How do insurance requirements rules compare between Cambridge, MA and Lowell, MA?
Cambridge and Lowell have similar restriction levels.
Cambridge, MA
Middlesex County
Massachusetts law requires STR operators to carry at least 1 million dollars in liability insurance covering each rental, either directly or through the hosting platform.
View full Cambridge rules →Lowell, MA
Middlesex County
Massachusetts law requires every Lowell short-term rental operator to maintain at least $1,000,000 in liability insurance covering each rental stay.
View full Lowell rules →Key Facts Comparison
| Fact | Cambridge | Lowell |
|---|---|---|
| Minimum Coverage | 1 million dollars | - |
| Statute | MGL c.64G s.14 | MGL c.64G s.14 |
| Platform Coverage | Acceptable if equivalent | - |
| Homeowner Policy | Usually excludes STR | - |
| Proof | Required at registration | - |
| Minimum liability | - | $1,000,000 |
| Platform coverage | - | Often satisfies requirement |
| Homeowner policy | - | Usually excludes STR |
Highlighted rows indicate differences between cities.
Cambridge FAQ
Does Airbnb coverage satisfy the rule?
Yes, Airbnb AirCover providing 1 million in host liability meets the MA statutory requirement.
Is my homeowner policy enough?
Usually no, most exclude commercial rental activity and require a separate endorsement or commercial policy.
Lowell FAQ
Does my homeowner's policy cover Airbnb guests?
Usually no. Standard policies exclude commercial or transient rental activity.
Is Airbnb's AirCover enough for Lowell?
It generally meets the $1M state requirement for platform bookings, but verify limits for your specific policy.
Compare other topics
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