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Boston, MA Short-Term Rentals: Insurance Requirements (2026)

Heavy Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified April 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.

Source: MGL c. 64G, §14View official code

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?
For Airbnb-only listings, yes. If you also take direct bookings, buy a separate STR policy to cover those nights.
What happens if my policy lapses?
ISD can suspend or revoke your STR registration until proof of current coverage is filed.

Sources & Official References

Other rules in Boston

All Boston rules

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Insurance Requirements in Nearby Cities

How other cities in this county handle insurance requirements.

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Chelsea, MA
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