Insurance Requirements: Cambridge vs Wakefield
How do insurance requirements rules compare between Cambridge, MA and Wakefield, MA?
Cambridge and Wakefield 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 →Wakefield, MA
Middlesex County
All short-term rentals in Middlesex County must carry at least 1 million dollars in liability insurance per MGL c.64G s.14, covering each stay with proof provided at registration.
View full Wakefield rules →Key Facts Comparison
| Fact | Cambridge | Wakefield |
|---|---|---|
| Minimum Coverage | 1 million dollars | - |
| Statute | MGL c.64G s.14 | - |
| Platform Coverage | Acceptable if equivalent | - |
| Homeowner Policy | Usually excludes STR | - |
| Proof | Required at registration | - |
| Minimum coverage | - | 1 million dollars per stay |
| State law | - | MGL c.64G s.14 |
| Platform coverage | - | Airbnb/Vrbo may satisfy |
| Proof required | - | At registration and renewal |
| Failure penalty | - | Registration void |
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.
Wakefield FAQ
Do I need insurance for my STR in Middlesex County?
Yes. MGL c.64G s.14 requires at least 1 million dollars in liability insurance per stay for every STR in Massachusetts, proven at registration.
Does Airbnb's insurance count?
In most cases yes. Airbnb's Host Liability Insurance provides up to 1 million dollars per occurrence and generally satisfies the state requirement, but always verify terms with your platform and local registrar.
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