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

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Minimum coverage
$250,000 liability per incident
Proof required
Valid insurance binder submitted with application
Coverage scope
Must cover short-term rental use specifically
Registry gate
No registration without the binder, per § 8.09.040(D)
Renewed on transfer
New owner must resubmit after ownership change

Summary

Revere will not register a short-term rental without proof of liability coverage. Municipal Code § 8.09.040(A)(5) requires a valid insurance binder showing liability limits of at least two hundred fifty thousand dollars per incident, covering the property's use as a short-term rental.

Proof, in the form of a valid insurance binder, of liability insurance with liability limits in an amount no less than two hundred fifty thousand dollars per incident and coverage for short-term rental use.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: rev 4804778; v14 updated 2026-05-04).

Full Breakdown

040(A): proof, in the form of a valid insurance binder, of liability insurance with liability limits in an amount no less than two hundred fifty thousand dollars per incident and coverage for short-term rental use. ch. 64G, § 6. 040(D), the short-term rental enforcement office cannot include the property in the registry, and therefore cannot issue a certificate of inspection, until the insurance binder and every other item required by subsections A through C has been submitted and the inspection passed. 030(C), a new owner taking over a previously registered short-term rental must supply a fresh insurance binder meeting the same two-hundred-fifty-thousand-dollar minimum as part of restarting the registration process from scratch.

Violations & Fines

A property missing the required liability insurance binder cannot be added to the short-term rental registry under § 8.09.040(D), and offering it for short-term rental without completing that registration is enforced under § 8.09.080: a fine of four hundred ninety dollars per violation per day, plus cease-and-desist and injunction authority for the City.

Frequently Asked Questions

How much liability insurance does a Revere short-term rental need?
Section 8.09.040(A)(5) requires a valid insurance binder showing liability limits of no less than two hundred fifty thousand dollars per incident, with coverage that specifically applies to the property's use as a short-term rental, not just ordinary homeowner's coverage.
Can I register a short-term rental without proof of insurance?
No. Section 8.09.040(D) bars the short-term rental enforcement office from adding any property to the registry, or issuing a certificate of inspection, until every item required under subsections A through C, including the insurance binder, has been submitted and verified.
Does a new owner need to get their own insurance binder?
Yes. Section 8.09.030(C) ends a unit's registration the moment ownership changes, so a new owner must complete the registration process again under § 8.09.040, including submitting a fresh two-hundred-fifty-thousand-dollar liability insurance binder that meets § 8.09.040(A)(5).

Sources & Official References

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