Vermont requires short-term rental operators to disclose insurance coverage status to guests under Act 132 of 2024 and to comply with statewide habitability standards. Liability insurance is not mandated but operators must inform guests whether the rental is covered by homeowner, commercial, or platform-provided liability policies.
Under Vermont's statewide registry program, operators must include an insurance disclosure in their registration affirming whether they carry liability coverage on the rental, and the type and limits if so. Many homeowner policies exclude commercial short-term rental activity, so the disclosure protects guests and lenders. Platforms providing host protection (such as AirCover) satisfy the disclosure if documented. The state has not preempted municipalities from requiring proof of coverage, but the disclosure itself is universal across Vermont.
Failure to disclose insurance status on registration: penalties up to $5,000 and possible suspension of statewide registration.
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