Massachusetts Property Insurance Underwriting Association (MPIUA) is committed to providing the highest standard of customer service to its clientele. This page is designed to provide producers with information needed to serve its mutual customers of MPIUA and information on conducting business with MPIUA. From this page producers can login to the producer portal to manage and access real-time policy information and submit applications. Helpful tools such as the MPIUA Producers Manual and Producer Quick Reference section are available to help answer inquiries regarding MPIUA policies and procedures. MPIUA has provided an online payment option, which allows policyholders to avoid service fees if used. Claims can also be submitted via a web portal available from this page.
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Producers Quick Reference:
How to write a Homeowners Policy Held in Trust
For an additional premium, Residence Held in Trust, Endorsement HO 05 43, provides the means to issue a Homeowners Policy in the name of a trust and trustee that owns a residence premises and insure the personal property and liability interests of the beneficiaries and/or grantors if residents of the dwelling.
Example 1 – Trustee(s) occupies the property:
John and Mary Smith sign their property over to a trust, the JMS Trust which names themselves, John and Mary Smith as Trustees. John and Mary Smith occupy the property.
Title on policy is John and Mary Smith Trustees of the JMS Trust.
Endorsement HO 05 43 is added to the policy.
Both individuals must sign the application.
Example 2 – Beneficiary occupies the property:
John and Mary Smith sign their property over to a trust, the JMS Trust which names their son, Michael as trustee and their daughter Jane as Beneficiary. Jane is the sole occupant of the property.
Title on policy should be Michael Smith Trustee of the JMS Trust.
Endorsement HO 05 43 should be added naming Jane Smith Beneficiary of the JMS Trust.
Both individuals must sign the application.
Example 3 – Grantor occupies the property:
John and Mary Smith sign their property over to a trust, the JMS Trust under which they retain a life estate and name their son, Michael as trustee. John and Mary occupy the property, Michael resides elsewhere.
Title on policy should be Michael Smith Trustee of the JMS Trust.
Endorsement HO 05 43 is added naming John and Mary Smith Grantors of the JMS Trust.
All 3 individuals must sign the application.
Note: If the Grantor and/or Beneficiary are not occupying the property they cannot be added to the policy using endorsement HO 05 43.
COMMERCIAL AND DWELLING POLICY
Example
John and Mary Smith sign their property over to a trust naming themselves as trustees. Title will read, “John and Mary Smith trustees of the John and Mary Smith Trust”.
Signatures of John and Mary Smith as trustees are required
Producer Quick Reference Fact-sheet
| Producer Quick Reference | |||||||||||||||||||||||||||||
| Dwelling Fire DP 00 01, 02 & 03 | Homeowners Program Owners Forms HO 00 02, 03 and 05 Tenants Form HO 00 04 Condo Unit Owners Form HO 00 06 |
Commercial Standard Property Policy Form CP 00 99 | |||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Base Deductible | $250* | $250* | $500* | ||||||||||||||||||||||||||
| Optional Deductibles | $100, $500 $1,000 & $2,500 See Named Storm Deductible Fact sheet for Mandatory Named Storm deductible information. |
All Forms: $500, $1,000, $2,500 HO 02, 03 and 05, only: $100 See Named Storm Deductible Fact sheet for Mandatory Wind Hail deductible information. | $250, $1,000, $2,500, $5,000 $10,000, $25,000, $50,000 & $75,000 |
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| Basic Eligibility | – 1-4 Unit Dwelling.- Contents of any Residential Unit. | – HO 02, 03 and 05: 1-4 Unit Dwelling Owner Occupied- HO 04 : Any Residential Unit- HO 06 : Owner Occupied Condo Unit |
Commercial property including buildings with 5 or more apartments or condominiums. | ||||||||||||||||||||||||||
| Minimum Limit |
|
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None | ||||||||||||||||||||||||||
| Maximum Limit | $1,000,000 Single Interest$1,500,000 Multiple Interest Building & Content Coverage |
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$1,000,000 Single Interest$1,500,000 Multiple Interest Building & Content Coverage | ||||||||||||||||||||||||||
| Minimum Premium | $50 | $50 | $100 | ||||||||||||||||||||||||||
| Amount of Insurance Requirement (Co-Insurance) |
(DP-1) Present Market Value(DP-2 and DP-3) generally 80% or more of Replacement Cost | – HO 02, 03 or 05: Generally 80% or more of Replacement Cost- HO 04, 06: Actual Cash Value | Buildings: 80%, 90%, 100% of Replacement Cost Less Depreciation, with proper documentation, otherwise written with no co-insurance Contents: Actual Cash Value | ||||||||||||||||||||||||||
| Application(s) Required | Application ACORD 65 MA. Mandatory Building Fire Insurance Application (MUA-CA-1). MPIUA MS&B Replacement Cost Estimate. If under rehabilitation or construction Letter of Intent is required. | Application ACORD 60 MA Home Cost Estimator Worksheet (MUA-RIA-HCE) required for Forms HO 02, 03 and 05. | Application ACORD 67 MA. Mandatory Building Fire Insurance Application (MUA-CA-1) is also required if building coverage is requested. If under rehabilitation Letter of Intent is required. | ||||||||||||||||||||||||||
| For all lines, a copy of the mortgage agreement is required if there is a non-institutional mortgage holder named on the application. | |||||||||||||||||||||||||||||
This quick reference highlights basic MPIUA products and requirements. MPIUA Producers’ Operations Manual should be consulted for details of these and additional products and requirements, as well as for detailed procedures.
Occasional Rental Rules
The Association’s Homeowners policy standards allow for the occasional rental of Homes primarily occupied by the named insured. The number of weeks allowed for rental is determined by how the property is occupied.
Primary and Secondary Homes – Homes that are occupied on a year round basis. Primary and Secondary homes may be rented annually for up to 12 weeks.
Seasonal Properties – Seasonal properties are properties that have a period of un-occupancy of at least 3 consecutive months per year. Seasonal Properties may be rented annually for up to 4 weeks.
Named Storm Quick Reference Fact-sheet
| MINIMUM NAMED STORM DEDUCTIBLE | |||||
| Cov A Limit in (000) | Entire Duke & Nantucket Counties | Barnstable Counties | Rest of State | ||
|---|---|---|---|---|---|
| Within 1/2 mile of the coast | More than 1/2 mile of the coast | Within 1/2 mile of the coast | More than 1/2 mile of the coast | ||
| Up to 99 | 2% | 2% | 2% | 1% | AS PER CURRENT MINIMUM NAMED STORM DEDUCTIBLE REQUIREMENT AS SHOWN BELOW |
| 100 – 199 | 2% | 2% | 2% | 1% | |
| 200 – 299 | 5% | 2% | 2% | 1% | |
| 300 – 399 | 5% | 2% | 2% | 1% | |
| 400 – 499 | 5% | 2% | 2% | 1% | |
| 500 – 599 | 5% | 2% | 2% | 2% | |
| 600 – 699 | 5% | 5% | 2% | 2% | |
| 700 – 799 | 5% | 5% | 2% | 2% | |
| 800 – 899 | 5% | 5% | 2% | 2% | |
| 900 – 999 | 5% | 5% | 2% | 2% | |
| 1000 | 5% | 5% | 2% | 2% | |
II. Named Storm Deductible Rule for Properties located more than ½ mile from the coast anywhere in the state except properties in Barnstable, Dukes and Nantucket Counties
| MINIMUM NAMED STORM DEDUCTIBLE (COVERAGE A LIMIT) | |||||
| All other perils Ded. Limits | Up to $59,999 | $60,000 to 124,999 | $125,000 to $249,999 | $250,000 to $599,999 | $600,000 and over |
|---|---|---|---|---|---|
| $100 | NONE | $500 | $1000 | $2000 | $5000 |
| $250 | NONE | $500 | $1000 | $2000 | $5000 |
| $500 | NONE | NONE | $1000 | $2000 | $5000 |
| $1000 | NONE | NONE | NONE | $2000 | $5000 |
| $2500 | NONE | NONE | NONE | None | $5000 |
Homeowners Endorsement Forms Quick Reference
| FORM ID | NAME | REQUIRED INFORMATION/DOCUMENTATION |
|---|---|---|
| HO 00 02 | Broad Form | HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost |
| HO 00 03 | Special Form | HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost |
| HO 00 04 | Contents Broad Form | Coverage C Minimum Limit of $6,000 |
| HO 00 05 | Comprehensive Form | HCE Worksheet, Cov A must be = or > 80% of Estimated Replacement Cost |
| HO 00 06 | Unit-Owners Form | Coverage C Minimum Limit of $10,000 |
| HO 01 20 | Special Provisions Massachusetts | No Additional Information needed – Mandatory Endorsement |
| HO 03 12 | Named Storm Percentage Deductible | Mandatory when W/H % Deductible is attached to policy |
| HO 04 10 | Additional Interests | Name & Address of Person or Organization, Interest, Documentation showing interest |
| HO 04 12 | Increased Limits On Business Property | Increase in Limit of Liability, Total Limit of Liability, Description of Business |
| HO 04 14 | Special Computer Coverage | No Additional Info. This is not a schedule. Increases perils insured against. |
| HO 04 16 | Premises Alarm or Fire Protection System | Type of Device, Installation Certificate |
| HO 04 26 | Limited Fungi, Wet or Dry Rot or Bacteria Cov | Mandatory for HO 00 02, 04 & 06 Policies. Higher Limits Optional |
| HO 04 27 | Limited Fungi, Wet or Dry Rot or Bacteria Cov | Mandatory for HO 00 03 & 05 Policies. Higher Limits Optional |
| HO 04 28 | Limited Fungi, Wet or Dry Rot or Bacteria Cov | Mandatory for HO 00 04 & 06 Policies w/ HO 05 24, HO 17 31 & HO 17 32 Higher Limits Optional |
| HO 04 35 | Loss Assessment Coverage | Indicate “Residence Premises” & Additional Amount of Insurance if coverage desired for Add’l Location need to indicate Location & Limit of Liability |
| HO 04 40 | Structures Rented to Others (Residence Premises) | Description of Structure, Limit of Liability, Year of Construction, # of Families Used for rented home/cottage/carriage house etc. on premises. |
| HO 04 41 | Additional Insured (Residence Premises) | Name & Address of Person or Organization, Interest (Add’l Insureds must sign Application) |
| HO 04 42 | Permitted Incidental Occupancies | Description of Business, # of employees, any physical alterations to residence, number of clients that visit the business on weekly basis, where in the residence is business located, If business is located in an other Structure on the residence need Limit of Liability & Description of Structure if coverage is desired |
| HO 04 43 | Replacement Cost For Non Building Structures | No Additional Information Needed |
| HO 04 46 | Inflation Guard | Percentage Amount 4% 6% 8%10% etc. |
| HO 04 48 | Other Structures On The Residence Premises (Increased Limits) | Description of Structure – Garage/shed/etc. & Additional Limit of Liability |
| HO 04 49 | Building Additions and Alterations (Other Residence) | Location of the Building & Limit of Liability |
| HO 04 50 | Increase Limits to Personal Property | Location of Insured’s Residence, Increase in Limit of Liability & Total Limit Of Liability at This Location |
| HO 04 51 | Building Additions and Alterations (Increased Limit Form HO 00 04) | Increase in Limit of Liability & Total Limit of Liability |
| HO 04 53 | Credit Card, Fund Transfer Card, Forgery & Counterfeit Money Coverage (Increased Limit) | Increase In Limit of Liability & Total Limit of Liability |
| HO 04 54 | Earthquake | Earthquake % Deductible, If Exterior is Masonry Veneer indicate if it is to be covered. |
| HO 04 56 | Special Loss Settlement | Percentage Amount of Full Replacement Cost |
| HO 04 58 | Other Members of Your Household | Name Of Person Covered By This Endorsement |
| HO 04 59 | Assisted Living Care Coverage | Name of Relative(s), Name & Location of Residency, Limit of Coverage E & F |
| HO 04 61 | Scheduled Personal Property Endorsement | Need detailed Description of all items being scheduled, Receipts/Appraisals no older than 5 years needed for all items scheduled for $2500 or more. |
| HO 04 65 | Coverage C Increased Special Limits of Liability | Increase In Limit Of Liability, Total Limit of Liability |
| HO 04 66 | Coverage C Increased Special Limits of Liability (HO 00 05, HO 00 04 w/HO 05 24 & HO 00 06 w/HO 17 31) | Increase In Limit Of Liability, Total Limit of Liability |
| HO 04 77 | Ordinance or Law Coverage | New Total Percentage Amount |
| HO 04 81 | Actual Cash Value Loss Settlement | No Additional Information Needed |
| HO 04 90 | Personal Property Replacement Cost Loss Settlement | No Additional Information Needed |
| HO 04 91 | Coverage B-Other Structures Away From The Residence Premises | Description of Other Structure(s)- indicate how used with home. |
| HO 04 92 | Specific Structures | Limit of Liability, Description & Location of Structure |
| HO 04 95 | Water Back Up and Sump Overflow | No Additional Information Needed |
| HO 04 96 | NO Section II-Liability Coverage for Home Day Care Business Limited Section I- Property Coverage | No Additional Information Needed – Mandatory Endorsement |
| HO 04 97 | Home Day Care Coverage Endorsement | Number of Persons Receiving Day Care Services (Max 3 children-aggregate) # of employees, any physical alterations to residence, where in the residence is daycare located, If daycare is located in an other Structure on the residence need Limit of Liability & Description of Structure if coverage is desired. |
| HO 04 98 | Refrigerated Property Coverage | No Additional Information Needed |
| HO 04 99 | Sinkhole Collapse | No Additional Information Needed |
| HO 05 02 | Additional Limits Of Liability For Coverages A, B, C and D – Massachusetts | Coverage A must be at Least = to 100% of the Estimated Replacement Cost or previous carriers coverage A whichever is greater. |
| HO 05 08 | Specified Additional Amount Of Insurance For Coverage A – Dwelling – Massachusetts | Additional Amount of Insurance Percentage, Coverage A must be at Least = to 100% of the Estimated Replacement Cost or previous carriers coverage A whichever is greater. |
| HO 05 24 | Special Personal Property Coverage | No Additional Information Needed |
| HO 05 27 | Additional Insured – Student Living Away From Home The Residence Premises | Name and Address of Student, Name Of School |
| HO 05 28 | Owned Motorized Golf Cart Physical Loss Coverage | Limit of Liability, Deductible, Does Collision Apply, Make or Model and Serial Or Motor Number. Where is Cart used. |
| HO 05 30 | Functional Replacement Cost Loss Settlement | HCE Worksheet, apply Functional Replacement Cost Factor |
| HO 05 41 | Extended Theft Coverage For Residence Premises Occasionally Rented To Others | Number of weeks rented and number owner occupied. |
| HO 05 43 | Residence Held in Trust | Enter Name of Grantor or Beneficiary if they reside a residence premises. |
| HO 05 46 | Landlord’s Furnishings | Description of Rented Unit, Increase in Limit of Liability, Total Limit Of Liability |
| HO 05 72 | Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 02, 03 & 05) | Need to know if storage tank is above ground or below ground Aggregate Limited Escaped Liquid Fuel Liability Limit Of Liability Property Remediation For Escaped Liquid Fuel Limit of Liability |
| HO 05 73 | Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 04) | Need to know if storage tank is above ground or below ground Aggregate Limited Escaped Liquid Fuel Liability Limit Of Liability Property Remediation For Escaped Liquid Fuel Limit of Liability |
| HO 05 74 | Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability Coverages (HO 00 06) | Need to know if storage tank is above ground or below ground Aggregate Limited Escaped Liquid Fuel Liability Limit Of Liability Property Remediation For Escaped Liquid Fuel Limit of Liability |
| HO 05 75 | Rating Information Property Remediation For Escaped Liquid Fuel and Limited Escaped Liquid Fuel Liability | Mandatory when endorsement HO 05 72, HO 05 73 or HO 05 74 are attached to a policy |
| HO 07 01 | Home Business Insurance Coverage | Underwritten on an individual basis. |
| HO 17 31 | Unit-Owners Coverage C Special Coverage Form HO 00 06 Only | No Additional Information Needed |
| HO-17 32 | Unit-Owners Coverage A Special Coverage Form HO 00 06 Only | No Additional Information Needed |
| HO 17 33 | Unit-Owners Rental To Others Form HO 00 06 Only | Need to know # of weeks the condominium is rented. Maximum Rental period of 12 weeks Primary/Secondary residence and 4 weeks for seasonal residence |
| HO 17 34 | Unit-Owners Modified Other Insurance and. Service Agreement Form Condition HO 00 06 Only | No Additional Information Needed |
| HO 23 71 | Tenants Relocation Expense-MA | Attached to all multi-family policies unless Additional Insureds occupy the remaining units in the Dwelling |
| HO 24 13 | Incidental Low Power Recreational Motor Vehicle | Description of vehicles including miles per hour needed |
| HO 24 41 | Lead Poisoning Exclusion-MA | Applies to all Multi-Family Primary residences built prior to 1978, also applies to all HO 24 70 & HO 04 40 locations built prior to 1978 attached to policy |
| HO 24 42 | Coverage for Lead Poisoning-MA | Coverage E Lead Poisoning Liability Limit, Location(s) and description of each unit in the dwelling the coverage is being purchased for. |
| HO 24 43 | Permitted Incidental Occupancies (Other Residence) | Description of Business & Location, # of employees, any physical alterations to residence, number of clients that visit the business on weekly basis. |
| HO 24 64 | Owned Snowmobile | Make or Model, Serial Or Motor Number |
| HO 24 71 | Business Pursuits | Name and Business Of Insured, Indicate if Corporal Punishment is desired |
| HO 24 75 | Watercraft | Description & Length Of Watercraft & Inboard or Outboard Engine, Outboard Engine If Not Owned by Insured |
| HO-24 82 | Personal Injury | No Additional Information Needed |
| MUATRE | Tentative Rate Endorsement | No Additional Information Needed – Mandatory Endorsement |
| HO FP | Special Endorsement | No Additional Information Needed – Mandatory Endorsement |