Who regulates homeowners insurance in Massachusetts?

The Massachusetts Division of Insurance (mass.gov/orgs/division-of-insurance) licenses carriers and agents and handles consumer complaints.

Does Massachusetts require homeowners insurance?

Massachusetts law does not require homeowners insurance, but lenders require it as a loan condition.

Is hurricane coverage included in Massachusetts homeowners policies?

Wind damage from hurricanes is generally included in standard HO-3 policies in Massachusetts. Some coastal policies have separate hurricane deductibles — review your deductible structure with your agent.

Is flood insurance separate in Massachusetts?

Yes — flood damage is excluded from standard policies. Massachusetts coastal and riverside homeowners should purchase NFIP coverage at floodsmart.gov.

How can I find a Massachusetts-licensed homeowners insurer?

Use the Division of Insurance's company search at mass.gov/orgs/division-of-insurance to verify carrier licensure and find licensed options.

Homeowners Insurance in Massachusetts

Massachusetts homeowners face nor'easter wind damage, coastal storm surge for Cape Cod and South Shore communities, frozen-pipe risk in winter, and, increasingly, severe-thunderstorm hail events.

More Massachusetts guides

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