Vermont Short-Term Rental Insurance (No State Mandate)

No Vermont statute requires short-term rental operators to carry liability insurance or to file a statewide insurance disclosure; the earlier claim of an Act 132 of 2024 registry disclosure is inaccurate, as Act 132 of 2024 is Vermont's homeless bill of rights. Insurance is a private matter: standard homeowner policies frequently exclude commercial short-term rental activity, so hosts commonly obtain a commercial rider or rely on platform host-protection programs such as AirCover. Operators remain responsible for the Meals and Rooms Tax, the 3% surcharge, and compliance with the state rental housing health and safety code. Municipalities may impose their own insurance or permit conditions.

No state insurance-disclosure penalty exists. Operating without adequate coverage is a private risk; municipalities may separately require proof of insurance as a permit condition.