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.
MGL c. 64G §68 (added by the 2018 STR Act) mandates that every STR operator in Massachusetts maintain liability insurance of not less than $1,000,000 covering each stay, unless the hosting platform provides equal-or-greater coverage. Airbnb Host Liability Insurance ($1M) and Vrbo Liability Insurance generally satisfy this for stays booked on those platforms; direct bookings or off-platform stays require a separate commercial STR policy. Standard homeowner policies (HO-3) exclude transient commercial lodging. Quincy's STR ordinance (Ch. 11.60) and Brookline Art. 5.10 both require proof of insurance at registration. Weymouth STR hosts must comply with state insurance mandate. Certificate of insurance must be on file with the town and the MA DOR STR Registry.
Operating without required insurance: state-level denial of DOR registry, local permit revocation. Civil liability uncovered for guest injury claims — can exceed property value.
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Norfolk County, MA
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Norfolk County, MA
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Norfolk County, MA
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Bellingham, MA
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Norfolk County, MA
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See how other cities in Norfolk County handle insurance requirements.
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