Massachusetts Property Insurance Underwriting Association
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
MPIUA is the Massachusetts FAIR Plan and writes basic property insurance for eligible Massachusetts risks unable to obtain coverage in the voluntary market. For Home business, current producer guidance shows HO 02/03/05 for 1-4 unit owner-occupied dwellings, HO 04 for any residential unit, and HO 06 for owner-occupied condo units. Homeowners minimum limits are HO 02/03/05 Coverage A $25,000 primary and $15,000 secondary; HO 04 Coverage C $6,000; HO 06 Coverage C $10,000. Maximum limits shown are generally $1,000,000 for Coverage A or C, with Section II liability up to $500,000 and medical payments up to $5,000. For HO 02/03/05, MPIUA requires its replacement cost estimator / home cost estimator, and insurance-to-value standards were tightened for policy inception dates on or after 2/1/2025 to 90% or more of estimated reconstruction cost; older policies reference 80%. Preferred Home risks are straightforward owner-occupied 1-4 family dwellings and owner-occupied condo units located in Massachusetts that meet insurable condition standards and reconstruction-cost support. Rental flexibility is limited: primary and secondary homes used year-round may be rented occasionally up to 12 weeks annually, while seasonal residences may be rented up to 4 weeks; transient rentals that are nightly or less than weekly are not eligible under the Homeowners or Dwelling programs. Properties insured at or near maximum limits are generally subject to annual inspection. Geographic scope is Massachusetts only; real or tangible personal property must be at a fixed location in the Commonwealth. Submission requirements for Home include ACORD 60 MA plus MPIUA’s estimator/worksheet for HO 02/03/05. A copy of the mortgage agreement is required whenever a non-institutional mortgagee is named. Producer notes: applications can be submitted and policies serviced through the producer portal; MPIUA states producers are the agent of the applicant/insured, not MPIUA, and producers have no authority to bind coverage. Producers should also watch the Clearinghouse / MA-MAP process for potential voluntary-market offers and use MPIUA manuals for detailed procedures. Related producer notices currently include the January 20, 2026 insured bill-payment portal launch with AutoPay and paperless billing support.