Insurance Requirements: Manchester vs Nashua

Does my homeowner insurance cover short-term rentals?

Often no. Standard homeowner policies may exclude commercial rental activity. Check with your insurer about adding a rider.

Does Airbnb insurance satisfy local requirements?

Platform-provided insurance may not meet Manchester requirements. Verify with your local permitting office.

Do I need insurance to operate a short-term rental in Nashua?

Not by law. Nashua does not impose an STR insurance requirement (no STR ordinance exists), and New Hampshire has no statewide STR insurance statute - bills like 2022 HB1571 and 2025 HB503 have been debated but not enacted into a statewide insurance mandate. The risk is purely private: standard homeowners and dwelling-fire policies typically exclude commercial short-term-rental use, so a guest injury or fire claim during a paid stay is likely to be denied. Practical compliance is a stand-alone short-term rental policy, a commercial general liability policy with a hospitality endorsement, or reliance on Airbnb's AirCover / Vrbo's Liability Insurance (which cover up to $1,000,000 on platform-booked stays only).

Does Airbnb's host insurance cover my Nashua listing?

Yes, for stays booked through Airbnb. AirCover Host Liability Insurance provides up to $1,000,000 of host liability coverage for bookings made through the platform. Vrbo's Liability Insurance similarly covers Vrbo-booked stays up to $1,000,000. Neither program extends to off-platform direct bookings, so if you take direct reservations or repeat-guest off-platform stays, you must have your own stand-alone short-term rental policy. New Hampshire has no statewide insurance floor (unlike Washington's RSA 64.37.050), so the platform coverage is the only required documentation in most cases.

Will my regular homeowners policy cover my Nashua STR?

Usually not. Standard New Hampshire homeowners and dwelling-fire policies typically exclude commercial short-term-rental (transient lodging) use under standard ISO HO and DP policy forms, and many specifically exclude income-generating activity. Failing to disclose STR operation to your insurer can also be a basis for rescission of the entire policy. Disclose your STR use to your agent and either purchase a stand-alone STR policy, add a STR rider where allowed, or move to a commercial general liability policy with a hospitality endorsement.