To Our Valued Massachusetts Agents,

Effective October 26, 2023, we are adjusting our Massachusetts Homeowners Program Underwriting Guidelines.

Highlights include:



• Dwellings with residents who smoke, applicable to the policyholder and other occupants or tenants, are ineligible. Smoking materials include cigarettes, cigars, pipes, vapes, etc. 

• Electric Vehicle (EV) Charging Stations in any structure must be professionally installed by a licensed electrician and meet all safety protocols.

• For American Commerce Insurance Company (ACIC), Commerce Insurance Company (CIC) policies and Dwelling Fire, three and four family risks are ineligible for new business.

• Greater detail has been provided for Electrical, Heating, and Plumbing System requirements.

• Roofs over 25 years old are ineligible, unless composed of slate or tile roofing material.

Additionally, some modifications have been made to policies processed through AgencyPortal^®. Policies not meeting underwriting guidelines will generate a "risk is ineligible" message. Additionally, we’ve included a ‘referred to underwriting’ message for submissions that require underwriting approval prior to binding – such as, for example, dwellings under home renovation and new business with a prior loss greater than $25,000.

As a reminder, any insured who has been non-renewed or canceled for any underwriting reason by any company should not be submitted to MAPFRE.  

A complete listing of our Massachusetts Homeowners Underwriting Guidelines can be found on the Agent Resource Site. 

View our Massachusetts Homeowners Quick Reference Guide to learn more about our Personal Lines Homeowners Program.

Please share this information with your agency staff. If you have any questions, please contact your Business Development Representative or Personal Lines Underwriter. I can also be reached directly at gsjolin@mapfreusa.com.

Thank you for your continued partnership with MAPFRE Insurance. We appreciate your business. 

Sincerely,

Gary M. Sjolin

Vice President

Business Development - Massachusetts

MA-UND-23-13

October 26, 2023