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

Revere STR hosts must satisfy two separate insurance requirements. First, the statewide mandate at MGL c.175, §4F(b) requires the operator to maintain liability insurance of not less than $1,000,000 to cover each short-term rental, unless the 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 rental. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity, so most Revere hosts add a short-term rental endorsement, buy a dedicated landlord/STR policy, or rely on Airbnb's $1M AirCover Host Liability Insurance or Vrbo's $1M Liability Insurance. Second, the City of Revere requires that registration applications under Chapter 8.09 include a valid insurance binder of liability limits of no less than $250,000 per incident, filed with the Office of Short Term Rental. Annual renewal is required by the end of January each calendar year and the registration application must include a $300 nonrefundable annual fee, a state Certificate of Short-Term Rental from the Massachusetts DOR Registry under MGL c.64G and c.62C, §67, a Good Standing Certification from the city, and proof of inspections by the Office of Short Term Rental and the Revere Fire Department Office of Fire Prevention. The state $1M floor controls where it exceeds the $250,000 local binder amount.