Insurance Requirements: Wellesley vs Weymouth
How do insurance requirements rules compare between Wellesley, MA and Weymouth, MA?
Wellesley and Weymouth have similar restriction levels.
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 →Weymouth, MA
Norfolk County
Massachusetts state law preempts STR insurance for Weymouth. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in Weymouth to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Weymouth's Chapter 120 Zoning Ordinance does not impose a separate local insurance requirement above the state floor.
View full Weymouth rules →Key Facts Comparison
| Fact | Wellesley | Weymouth |
|---|---|---|
| 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 | - |
| 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 Weymouth Ch. 120 |
| Local Registry | - | None - state DOR only |
Highlighted rows indicate differences between cities.
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.
Weymouth FAQ
How much liability insurance do I need for a Weymouth 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. Weymouth's Chapter 120 Zoning Ordinance does not raise this floor.
Will my regular Weymouth 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.
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