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 (Massachusetts FAIR Plan) is the residual market for applicants unable to obtain coverage in the voluntary market and currently publishes producer-facing eligibility and submission guidance through its Producer Quick Reference and Producers pages. For Home, the published target business is basic eligible Massachusetts residential property: HO 02/03/05 for 1-4 unit dwellings, owner-occupied HO 06 condo units, and HO 04 contents coverage for residential units. Minimum home limits shown are Coverage A $25,000 for primary locations and $15,000 for secondary locations; HO 04 requires minimum Coverage C $6,000 and HO 06 requires minimum Coverage C $10,000. HCE/replacement cost support is required for HO 00 02, 03 and 05, with Coverage A required to be at least 80% of estimated replacement cost; certain increased-limit endorsements require Coverage A at 100% of estimated replacement cost or prior carrier Coverage A, whichever is greater. Named storm / wind-hail deductibles are a major underwriting constraint, with mandatory percentage deductibles depending on county, distance to coast, and Coverage A; coastal and island risks in Barnstable, Dukes, and Nantucket have the most restrictive minimums. Occasional rental is permitted only within stated limits: primary and secondary homes occupied year-round may be rented up to 12 weeks annually, while seasonal homes may be rented up to 4 weeks annually. Trust ownership is acceptable using HO 05 43 when the trust/trustee owns the residence and resident beneficiaries/grantors qualify; required signatures depend on who occupies the property, and non-occupant grantors/beneficiaries cannot be added under that endorsement. Submission/documentation guidance published by MPIUA includes HCE worksheets for key homeowners forms, documentation for additional interests, business property details when increasing business property limits, alarm installation certificates for protective device credits, and rental-week information for rental-related endorsements. Notable producer instructions: business is submitted and managed through the Producer Portal; MPIUA directs producers to use the Producer Manual for full procedures; producers should review Named Storm FAQs, Clearinghouse resources, and inspection process materials; recent portal notices also mention a Data Security Agreement/new user management process and bill-pay portal changes affecting insured servicing. No explicit public declined-class list was found on the verified official pages reviewed; restrictions are communicated mainly through form eligibility, occupancy/use rules, minimum values, endorsement-specific requirements, and coastal named-storm deductible rules.