Insurance Requirements: Quincy vs Wellesley
How do insurance requirements rules compare between Quincy, MA and Wellesley, MA?
Quincy and Wellesley have similar restriction levels.
Quincy, MA
Norfolk County
Massachusetts state law preempts STR insurance. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in Quincy to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Quincy Code § 196-14 references the STR registration framework but does not impose a separate local insurance requirement above the state floor.
View full Quincy rules →Wellesley, MA
Norfolk County
Massachusetts requires $1M liability insurance for all short-term rentals statewide under MGL c. 64G §68. Hosts in Norfolk County must carry this coverage regardless of town.
View full Wellesley rules →Key Facts Comparison
| Fact | Quincy | Wellesley |
|---|---|---|
| Statute | MGL c.175 §4F | - |
| Enabling Act | Acts of 2018 c.337 | - |
| Minimum Coverage | $1,000,000 per stay | - |
| Platform Carve-Out | Equal/greater platform coverage OK | - |
| Local Add-On | None in Quincy § 196-14 | - |
| Local Registry | Quincy DIS (annual) | - |
| State Mandate | - | $1M minimum (MGL c. 64G §68) |
| Platform Coverage | - | Airbnb/Vrbo $1M satisfies |
| Direct Bookings | - | Separate policy needed |
| Homeowner Policy | - | HO-3 excludes STR |
| Proof | - | Required at registration |
Highlighted rows indicate differences between cities.
Quincy FAQ
How much liability insurance do I need for a Quincy Airbnb?
Massachusetts law (MGL c.175, §4F, added by the Acts of 2018, Chapter 337) requires at least $1,000,000 in liability coverage per short-term rental stay. The requirement is satisfied either by a dedicated STR policy or by hosting through a platform whose host-liability program provides equal or greater coverage. Quincy Code § 196-14 does not raise this floor.
Will my regular Quincy 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 hosts either add a short-term rental endorsement, 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.
Wellesley FAQ
Who enforces insurance requirements rules in Norfolk County?
Norfolk County's code enforcement division is responsible for short term-rentals ordinances. You can report violations or request information through the Norfolk County government website or by calling the main municipal line.
What are typical penalties for violating insurance requirements rules?
Most Norfolk County short term-rentals violations start with a written warning followed by escalating civil fines for repeat offenses. Specific dollar amounts and any criminal-misdemeanor exposure depend on the section of code; consult Norfolk County's municipal code or staff for the current penalty schedule.
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