Vermont Statewide Rule

Vermont Short-Term Rental Insurance Disclosure Rules

Some RestrictionsApplies statewide across Vermont (2026)

Vermont requires short-term rental operators to disclose insurance coverage status to guests under Act 132 of 2024 and to comply with statewide habitability standards. Liability insurance is not mandated but operators must inform guests whether the rental is covered by homeowner, commercial, or platform-provided liability policies.

Key Facts

Disclosure required: Yes, statewide
Liability coverage: Not mandated
Authority: Act 132 of 2024
Platform coverage: Acceptable if documented
Civil penalty: Up to $5,000

Source: Vermont General Assembly

Full Breakdown

Under Vermont's statewide registry program, operators must include an insurance disclosure in their registration affirming whether they carry liability coverage on the rental, and the type and limits if so. Many homeowner policies exclude commercial short-term rental activity, so the disclosure protects guests and lenders. Platforms providing host protection (such as AirCover) satisfy the disclosure if documented. The state has not preempted municipalities from requiring proof of coverage, but the disclosure itself is universal across Vermont.

Violations & Penalties

Failure to disclose insurance status on registration: penalties up to $5,000 and possible suspension of statewide registration.

Frequently Asked Questions

Does Vermont require landlords to carry liability insurance?

No state law mandates a specific coverage amount, but registration requires disclosure and many homeowner policies exclude short-term rental use, so commercial coverage is recommended.

Does Airbnb's host protection satisfy Vermont requirements?

Platform-provided liability coverage can satisfy the disclosure obligation if you provide documentation of the active program with your registration.

Sources

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