The FAIR Plan - Massachusetts

If you live in Massachusetts and have had trouble getting homeowners or property insurance, the Massachusetts Fair Access to Insurance Requirements (FAIR) Plan may be able to help. This program, also known as the Massachusetts Property Insurance Underwriting Association (MPIUA), gives people a way to get basic property insurance coverage when regular insurance companies won’t insure their home or business—often because it’s considered “high risk.”

This helps ensure that Massachusetts homeowners have access to essential protection for their property.

What kind of insurance can I get from the Massachusetts FAIR Plan?

The Massachusetts FAIR Plan provides basic home insurance coverage. This may include:

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Fire and smoke damage

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Vandalism and theft

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Limited liability protection

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Wind and hail damage

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Damage caused by snow or ice

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Damage caused by vehicles or aircraft

The Massachusetts FAIR Plan provides more basic coverage than a standard homeowners insurance policy, but it does not cover flood damage. If your property is in certain high-risk flood areas, you may also be required to purchase a separate flood insurance policy.

Am I eligible for this program?

You may be eligible for the Massachusetts FAIR Plan if:

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Your property is residential (single family home, multi-family home, or a condominium)

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Your property is in Massachusetts

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You have tried to get home insurance from a private insurance company but could not

You must also meet some basic property requirements, such as:

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The property must be in good condition

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The property cannot be vacant or condemned

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There cannot be unpaid tax liens on the property

Some businesses may also qualify for limited coverage through the Massachusetts FAIR Plan.

How do I apply for the Massachusetts FAIR Plan?

Most people apply for the Massachusetts FAIR Plan through a licensed insurance agent or broker. The application process is simple:

• Contact a licensed Massachusetts insurance agent or broker.

• Complete and submit a FAIR Plan application.

• Schedule a home inspection.

• If you qualify, pay your premium to receive your policy.

You can also apply directly through the MPIUA website/) without using an insurance agent or broker.

How do I get help?

If you have any questions about the Massachusetts FAIR Plan or applying for coverage, you can contact the Massachusetts Property Insurance Underwriting Association at 617-723-3800. Agents are available to answer any questions you may have and assist you in obtaining coverage.