Plymouth County, MA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Coverage floor
- $1,000,000 per rental
- Governing law
- MGL c.175 §4F
- Platform exception
- Equal coverage substitutes
- Homeowner policy
- Excludes rental activity
Summary
Every short-term rental operator in Plymouth County must carry liability insurance of at least $1,000,000 under MGL c.175 §4F, unless the hosting platform provides equal coverage. The mandate is statewide, in Plymouth as in Brockton.
An operator shall maintain liability insurance of not less than $1,000,000 to cover each short-term rental
Full Breakdown
Massachusetts requires short-term rental hosts to hold liability insurance of not less than $1,000,000 covering each rental, under MGL c.175 §4F. The mandate applies to every Plymouth County community, Plymouth, Marshfield, Wareham, and Brockton alike, because it is state law, not a county or town rule. A host is excused only when the hosting platform, such as Airbnb or Vrbo, carries equal or greater coverage. Standard homeowner policies exclude commercial rental activity, so hosts booking directly add a short-term-rental policy to meet the $1,000,000 floor.
Violations & Fines
Operating without the required $1,000,000 coverage breaches MGL c.175 §4F and state STR law, exposing the host to enforcement and denial or loss of any town registration.
Frequently Asked Questions
How much insurance do I need for my rental?
Does Airbnb's coverage satisfy the rule?
Sources & Official References
Other rules in Plymouth County
Compare Plymouth County to another location·View the Massachusetts short-term rentals overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.