Insurance Requirements: Chelsea vs Revere
How do insurance requirements rules compare between Chelsea, MA and Revere, MA?
Chelsea and Revere have similar restriction levels.
Chelsea, MA
Suffolk County
Massachusetts law requires every short-term rental operator to maintain at least $1,000,000 in liability insurance covering each rental, under MGL c. 175 §4F (added by Chapter 337 of the Acts of 2018). The hosting platform's coverage may satisfy the requirement if it meets or exceeds the $1M minimum and defends the operator and any tenants/owners in the building. Chelsea enforces this state mandate through its STR registration program.
View full Chelsea 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 | Chelsea | Revere |
|---|---|---|
| State Minimum | $1,000,000 liability per occurrence | - |
| Statute | MGL c. 175 §4F (Acts 2018, c. 337) | - |
| Platform Coverage Allowed | If equal/greater than $1M | - |
| FAIR Plan Cap | $500,000 (private gap coverage needed) | - |
| HO-3 Standard | Typically excludes STR activity | - |
| Chelsea Daily Fine | $300/day for STR violations | - |
| 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.
Chelsea FAQ
How much liability insurance does a Chelsea short-term rental host need?
Massachusetts law requires at least $1,000,000 in liability coverage per occurrence under MGL c. 175 §4F (added by Chapter 337 of the Acts of 2018). The policy must defend and indemnify the operator and any tenants or owners in the building for bodily injury and property damage arising from the rental.
Does Airbnb's host coverage satisfy the Massachusetts STR insurance requirement?
MGL c. 175 §4F allows the hosting platform's coverage to satisfy the requirement if it equals or exceeds $1,000,000 and defends and indemnifies the operator and the building's tenants or owners. Confirm with your platform and a licensed Massachusetts insurance producer that your specific policy meets the statute.
Will my Chelsea homeowner policy cover Airbnb stays?
Standard Massachusetts HO-3 homeowner policies typically exclude short-term commercial rental activity. Most Chelsea hosts add a short-term rental endorsement, a dedicated commercial-liability policy, or rely on platform coverage that meets the $1M MGL c. 175 §4F minimum. Confirm with a licensed insurance producer before listing.
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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