Boston, MA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- Minimum Coverage
- $1,000,000
- Acceptable Source
- Platform coverage or landlord policy
- Filing
- Certificate at registration
- Condos
- Check master policy and bylaws
Summary
Boston STR hosts must carry at least $1 million in liability coverage for the unit, either through a personal policy endorsement or the hosting platform.
Section 14. 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 [...] (iii) require operators to demonstrate that any properties or premises controlled, occupied, operated, managed or used as accommodations subject to the excise under this chapter are not subject to any outstanding building, electrical, plumbing, mechanical, fire, health, housing or zoning code enforcement [...] (iv) require properties or premises controlled, occupied, operated, managed or used by operators as an accommodation subject to the excise under this chapter to undergo health and safety inspections. [...] Notwithstanding any ordinance or by-law adopted by a city or town pursuant to this section, an operator of a short-term rental shall post inside the short-term rental unit information regarding the location of any fire extinguishers, gas shut off valves, fire exits and fire alarms in the unit and building.
Full Breakdown
The Boston short-term rental ordinance requires registered operators to maintain commercial general liability insurance with a minimum $1 million per-occurrence limit covering the STR activity. Airbnb AirCover and Vrbo Liability Insurance satisfy the requirement on most bookings, but hosts listing off-platform or doing direct bookings must buy a landlord or STR-specific policy. Condominiums in Boston additionally require that the master association carry commercial coverage, and many condo bylaws prohibit STR entirely. Hosts must submit the certificate of insurance at registration and keep it current. A lapse voids the registration.
Frequently Asked Questions
Is Airbnb AirCover enough?
What happens if my policy lapses?
Sources & Official References
- [1]MGL c. 64G, §14
- [2]Source
Other rules in Boston
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Insurance Requirements in Nearby Cities
How other cities in this county handle insurance requirements.