Every Massachusetts short-term rental host must carry at least $1,000,000 in liability insurance under MGL c.175 §4F, unless the platform provides equal coverage. Lynn's license application also requires proof of an active rental or landlord policy.
Massachusetts law, MGL c.175 §4F, requires every short-term rental operator to maintain liability insurance of not less than $1,000,000 covering each rental, unless the hosting platform such as Airbnb or Vrbo carries equal or greater coverage. This statewide floor applies in Lynn. On top of it, Lynn's Inspectional Services short-term rental application requires the operator to submit proof of an active rental or landlord insurance policy showing liability and damage coverage before the annual license issues. Standard homeowner policies exclude commercial rental activity, so direct-booking hosts add a dedicated policy.
Operating without the $1,000,000 coverage breaches MGL c.175 §4F, and failing to show proof of insurance blocks or voids the Lynn ISD license. Uninsured operation risks personal liability plus city enforcement.
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