Nashua does not require any specific insurance for short-term rentals because the city has no STR ordinance. New Hampshire also has no statewide STR insurance statute - the legislature has not enacted an analog to Washington's RSA 64.37.050 or California's $1 million-aggregate hospitality coverage mandate. Insurance is therefore purely contractual: standard homeowners and landlord policies typically exclude commercial short-term-rental (transient lodging) use, so practical compliance requires either (1) a stand-alone short-term rental policy or rider, (2) a commercial general liability policy with a hospitality endorsement, or (3) booking exclusively through a platform whose host liability insurance applies (Airbnb's AirCover and Vrbo's Liability Insurance both provide up to $1,000,000 of host liability coverage on platform-booked stays, but neither extends to off-platform direct bookings). NH RSA 78-A registration with the Department of Revenue Administration does not require proof of insurance.
Because no Nashua STR ordinance exists, the city imposes no insurance dollar amount, no proof-of-coverage requirement, no certificate-of-insurance filing, and no insurance-related permit condition (no permit exists). New Hampshire law similarly imposes no statewide STR insurance mandate: NH RSA 78-A (Meals and Rooms Tax) is a tax-administration statute and contains no insurance language, and the legislature has not adopted a Short-Term Rental Act comparable to Washington's RSA Chapter 64.37 (which mandates $1,000,000 primary liability coverage). Bills introduced in the New Hampshire General Court (e.g., HB1571 in 2022 and HB503 in 2025) have addressed STR regulation generally but have not enacted a statewide insurance floor for hosts. Insurance is therefore purely a matter of private contract and risk management. Standard New Hampshire homeowners and dwelling-fire (landlord) policies typically exclude commercial short-term-rental (transient lodging) use under standard ISO HO and DP policy forms, meaning a guest injury, fire, or theft incident during a paid stay is likely to be denied. Practical compliance options are (1) a stand-alone short-term rental insurance policy (Proper, Slice, CBIZ, and similar specialty insurers underwrite NH STR risks), (2) a commercial general liability policy with a hospitality / transient-occupancy endorsement, (3) a short-term rental rider added to an existing homeowners policy where the carrier allows it, or (4) reliance on platform-provided host liability coverage for platform-booked stays. Airbnb's AirCover Host Liability Insurance provides up to $1,000,000 of primary liability coverage for stays booked through Airbnb, and Vrbo's host liability insurance provides similar coverage on Vrbo bookings; neither extends to off-platform / direct bookings. Operators should also consider personal umbrella coverage, given the absence of a statutory cap on guest-injury claims under New Hampshire negligence law. Note that Nashua's Chapter 182 (Housing Standards) imposes life-safety duties (smoke alarms, CO alarms, egress) that, if violated, can support negligence findings and increase insurance exposure regardless of whether coverage exists.
Because no Nashua or New Hampshire STR insurance mandate exists, there is no public-law violation for operating without coverage. The exposure is purely private and arises through tort liability, contract liability to the hosting platform, and denial of coverage by personal homeowners insurers. A guest injured or killed at an uninsured Nashua STR can sue the operator personally for damages under New Hampshire negligence law (RSA 507:7-d and related premises-liability principles), and standard homeowners policies typically deny coverage for incidents arising from undisclosed transient commercial occupancy, leaving the operator with personal asset exposure for the full amount of any judgment. Misrepresenting use status to a homeowners insurer (failing to disclose STR operation) is a basis for policy rescission and denial of unrelated claims. Failure to comply with platform terms of service - including AirCover and Vrbo Liability Insurance terms - can void platform coverage. Tax, fire-code, and housing-code violations create independent regulatory liability and increase the negligence exposure if a guest is harmed.
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