Business Details
50+ Years
experience
Emergency
services
Your Trusted Property Insurance Provider in Massachusetts
The Rhode Island Joint Reinsurance (MPIUA), also known as the Massachusetts FAIR Plan, provides essential property insurance solutions for applicants unable to secure coverage through traditional markets. Established in 1968 under Massachusetts General Law Chapter 175C, we operate under regulatory oversight of the Massachusetts Division of Insurance. Our seasoned professional staff delivers exceptional service while maintaining compliance with state-mandated programs. We offer Homeowners, Dwelling Fire, and Commercial Property insurance policies approved by the Massachusetts Division of Insurance. As a residual market insurer, we ensure fair access to property insurance across the Commonwealth.Our operations mirror those of standard insurance companies, including underwriting, inspections, claims adjustment, and policy issuance. We maintain financial stability through premiums, retained earnings, investment income, and assessments on member companies. No taxpayer funds support our operations, ensuring financial independence. Our mission focuses on providing basic property insurance to eligible applicants who cannot obtain coverage elsewhere. Through partnerships like LenderDock, we streamline policy verification and lienholder data management for enhanced efficiency.
Services
Homeowners Insurance
Dwelling Fire Insurance
Commercial Property Insurance
Policy Verification
Lienholder Data Management
Claims Reporting
Online Payment Portal
Inspection Services
Loss Prevention Resources
Hurricane Preparedness
Details
- Year established: 1968
Highlights and features
- We provide essential property insurance for applicants unable to secure coverage elsewhere
- Our policies are approved by the Massachusetts Division of Insurance
- We operate under state-mandated programs with regulatory oversight
- Our seasoned professional staff delivers exceptional service
- We maintain financial independence through premiums and member company assessments
Services
Homeowners Insurance
Our Homeowners Insurance provides comprehensive coverage for residential properties across Massachusetts. This policy protects against common risks including fire, theft, and natural disasters. Designed for primary residences, rental properties, and seasonal homes, our coverage options adapt to various property types and occupancy patterns.
Dwelling Fire Insurance
Dwelling Fire Insurance offers specialized protection for residential structures against fire-related damages. Available in multiple policy forms (DP 00 01, 02, 03), our coverage accommodates different property values and risk profiles. Minimum coverage requirements ensure adequate protection while maintaining affordability for property owners.
Commercial Property Insurance
Commercial Property Insurance safeguards business properties including multi-unit residential buildings and commercial structures. Our policies cover buildings with five or more apartments, condominiums, and commercial spaces. Coverage options include standard property protection with customizable endorsements for specific business needs.
Policy Verification
Policy Verification services enable lenders and stakeholders to confirm insurance coverage details through our LenderDock partnership. This digital platform streamlines verification of policy status, coverage amounts, and lienholder information. The system supports efficient updates to loan numbers and loss payee details without requiring direct contact.
Claims Reporting
Our Claims Reporting system provides multiple channels for submitting insurance claims. Policyholders can file claims online through our portal or contact our claims department directly during business hours. Emergency claims receive immediate attention through our 24/7 dedicated hotline, ensuring prompt response for urgent situations.
Questions
What is the Massachusetts Property Insurance Underwriting Association?
MPIUA is a state-mandated insurance provider offering property coverage for applicants unable to secure insurance through traditional markets across Massachusetts.
How do I report a claim?
Report claims online through our portal or call 617-723-3800 during business hours. Use 1-800-297-3554 for emergency claims after hours.
What areas do you serve?
We provide coverage statewide across all Massachusetts counties as designated an 'Urban Area' by the Commissioner of Insurance.
How can I access policy documents?
Use our Insured Portal to view and print policy documents, make payments, and access inspection reports with your online access code.
What payment methods are available?
Make payments online through our portal or contact our payment department directly during business hours for assistance with payment options.
