Bristol County, MA Short-Term Rentals: Insurance Requirements (2026)
Key Facts
- State Minimum
- $1,000,000 (MGL ch. 64G §15)
- Platform
- AirCover/Vrbo generally OK
- Homeowners
- Usually excludes STR
- Proof
- Required at DOR registration
- Enforcement
- Local + state
Summary
Massachusetts STR law MGL ch. 64G §15 requires hosts to carry minimum $1,000,000 liability insurance. Platform-provided coverage (Airbnb AirCover, Vrbo) satisfies requirement if it meets the $1M floor. Proof required at DOR registration.
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 [...] to undergo health and safety inspections; provided, however, that the cost of any inspection conducted under this section shall be charged to and solely paid by the operator [...]. 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
Under MGL ch. 64G §15 (the 2019 short-term rental law), every Massachusetts STR operator must maintain at least $1,000,000 in liability insurance covering each stay. Platform insurance from Airbnb (AirCover), Vrbo, or Booking.com generally meets this threshold and can be used in lieu of a separately purchased policy. Standard homeowners insurance typically excludes short-term commercial rental activity, so hosts operating outside a major platform usually need a commercial or endorsement policy. Proof of insurance is part of the state-level registration with the Department of Revenue and is checked by local boards of health and inspectional services in Fall River and New Bedford. Operating without the required coverage is a violation of state law separate from any local permit.
Violations & Fines
Operating without $1M coverage: state-law violation, registration suspended, local permit denied. Uninsured claims: host personally liable. Failure to provide proof at inspection: permit revoked.
Frequently Asked Questions
What are typical penalties for violating insurance requirements rules?
Sources & Official References
- [1]MGL c. 64G, §14
- [2]Source
Other rules in Bristol County
Compare Bristol County to another location·View the Massachusetts short-term rentals overview
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