Attleboro, MA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- 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 Attleboro code
Summary
Massachusetts state law preempts this topic. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in Attleboro to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Attleboro has not adopted a separate local insurance ordinance.
A city or town, by ordinance or by-law, may regulate operators registered pursuant to section 67 of chapter 62C and impose penalties for the violation of such an ordinance or by-law. A city or town, by ordinance or by-law, may: (i) regulate the existence or location of operators under this section within the city or town, including regulating the class of operators and number of local licenses or permits issued to operators under this section and the number of days a person may operate and rent out an accommodation in a calendar year; (ii) require the licensing or registration of operators within the city or town; provided, however, that a city or town may: (A) accept a certificate of registration issued to an operator in accordance with section 67 of chapter 62C in lie
Official source re-checked September 8, 2026: the cited page had not changed since it was quoted.
Full Breakdown
Attleboro STR hosts are governed by the statewide insurance mandate added by Chapter 337 of the Acts of 2018. 175, §4F(b), states that an operator shall maintain liability insurance of not less than $1,000,000 to cover each short-term rental, unless that rental is offered through a hosting platform that maintains equal or greater coverage. The coverage must defend and indemnify the operator and any tenants or owners in the building for bodily injury and property damage arising from the short-term rental. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity, so most Attleboro hosts either add a short-term rental endorsement to their homeowner policy or carry a dedicated landlord/STR policy that meets the $1M per-stay threshold.
Major platforms satisfy the carve-out: Airbnb's AirCover Host Liability Insurance and Vrbo's Liability Insurance both publish $1,000,000 per-occurrence limits. 62C, §67, to register with the Massachusetts Department of Revenue Short-Term Rental Registry. 64G obligates intermediaries (Airbnb, Vrbo) to verify operator registration before listing the property. Attleboro's own Zoning Ordinance (Chapter 17 of the City Code) does not impose any local insurance requirement above the state $1M floor.
Violations & Fines
Operating a short-term rental in Attleboro without the $1,000,000 liability coverage required by MGL c.175, §4F is a violation of the Massachusetts STR law. The Department of Revenue may revoke or refuse to issue the STR Certificate of Registration under MGL c.64G, §6, and platforms are required by MGL c.64G, §13 to delist non-compliant operators. Civil exposure for an uninsured incident at the rental falls personally on the operator.
Frequently Asked Questions
How much liability insurance do I need for an Attleboro Airbnb?
Will my regular Attleboro homeowner policy cover Airbnb guests?
Sources & Official References
Other rules in Attleboro
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