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Massachusetts Homeowners Insurance Law

It is not binding for the residents of Massachusetts to buy a homeowners insurance policy according to the law of the state. However, it is for the general interest of the people that such purchases are highly recommended by the state authorities, chiefly the Massachusetts Division of Insurance. While some areas are more prone to natural calamities like hurricanes, there are areas which remain free from the danger of financial loss owing to an unpredictable change in the course of nature. All the same there is always a chance of the occurrences of theft and fire. Thus, it makes sense to fall back upon the financial security provided by a homeowners insurance product and be prepared for an eventuality, no matter where you live in the state.

MA Homeowners Insurance Law: An Overview

Massachusetts Homeowners Insurance Law aims to safeguard the interest of policy holders by ensuring a control over the insurers and the fulfillment of the promises they make to consumers in case of a calamity. It is unlawful for a insurance company to reject a request for a homeowners policy on account of the race, creed, color, national origin, religious belief, ancestry, sex, sexual orientation, age, veteran status, marital status, children or disability of an applicant. There is a consumer cell in the state Division of Insurance to address issues pertaining to non-compliance of this law, and an individual wishing to make a complaint in this regard against any insurers can contact at (617)521-7777.

In case of a disaster, you should immediately file a claim for the loss you have incurred on account of the damage. You should also inform the police if your loss is due to a theft or a burglary. If your credit cards or checkbook are missing, you are also required to inform your bank or credit card company. If you find that the payment made by your insurance company is not fair, or they are making unnecessary delay in releasing money towards the claim you have filed, you can take the following corrective measures.
  • Contact the officials of the Massachusetts Division of Insurance and file a complaint stating your grievances.
  • Go to a small claims court in the state and file a written complaint against the company.
  • Hire a lawyer to represent your case in a court of law.

Awareness to the Massachusetts Homeowners Insurance Law will be an advantage in case you have to face such difficulties while dealing with a faulting insurance company. Visit the site of the Division of Homeowners Insurance in Massachusetts to know more about the law.

Massachusetts Division of Insurance
Consumer Services Section
Phone: 1-617-521-7777
Website: www.state.ma.us/doi


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