Insurance Requirements: Cambridge vs Waltham
How do insurance requirements rules compare between Cambridge, MA and Waltham, MA?
Cambridge and Waltham 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 →Waltham, MA
Middlesex County
Massachusetts law mandates short-term rental operators carry at least $1 million in liability insurance, with Waltham hosts required to show proof of coverage during registration.
View full Waltham rules →Key Facts Comparison
| Fact | Cambridge | Waltham |
|---|---|---|
| Minimum Coverage | 1 million dollars | $1 million liability |
| Statute | MGL c.64G s.14 | - |
| Platform Coverage | Acceptable if equivalent | Airbnb/Vrbo may satisfy |
| Homeowner Policy | Usually excludes STR | Usually excludes STR |
| Proof | Required at registration | - |
| State Law | - | Chapter 337 of 2018 |
| Landlord Consent | - | Required for tenants |
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.
Waltham FAQ
Does my homeowner insurance cover STR rentals?
Most standard policies exclude commercial short-term rentals, requiring a separate endorsement or commercial policy.
Does Airbnb insurance meet the requirement?
Yes, Airbnb Host Liability Insurance of $1 million satisfies the Chapter 337 requirement for bookings made on that platform.
Compare other topics
See how Cambridge and Waltham compare on other ordinance categories.
Want to add a third city?
Use our full comparison tool to compare up to three cities.
Open Comparison Tool