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

Quincy STR hosts are governed by the statewide insurance mandate added by Chapter 337 of the Acts of 2018. The operative provision, codified at MGL c.175, §4F(b), provides that an operator shall maintain liability insurance of not less than $1,000,000 to cover each short-term rental, unless that rental is offered through a hosting platform that maintains equal or greater coverage. The coverage must defend and indemnify the operator and any tenants or owners in the building for bodily injury and property damage arising from the short-term rental. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity, so most Quincy hosts either add a short-term rental endorsement to their homeowner policy or carry a dedicated landlord/STR policy that meets the $1M per-stay threshold. Major platforms satisfy the carve-out: Airbnb's AirCover Host Liability Insurance and Vrbo's Liability Insurance both publish $1,000,000 per-occurrence limits. Operators are also required, under MGL c.64G, §6 and MGL c.62C, §67, to register with the Massachusetts Department of Revenue Short-Term Rental Registry. Section 13 of c.64G obligates intermediaries (Airbnb, Vrbo) to verify operator registration before listing the property. Quincy's local STR ordinance (Quincy Code § 196-14) requires annual registration with the Department of Inspectional Services and a Fire Safety Inspection Certificate but does not add a local insurance requirement above the state $1M floor.