Governor Patrick has signed into law a bill that will require the Massachusetts Property Insurance Underwriting Association (MPIUA), known as the Massachusetts FAIR Plan, to include liability coverage in its Non-Owner Occupied Dwelling policy for 1-to-4 family residential units. The legislation was signed by the Governor on October 9.

     Nutter Notes: Generally, a residential property owner who cannot not get a Non-Owner Occupied Dwelling policy in the standard voluntary market must obtain it through the Massachusetts FAIR Plan. Until the law becomes effective, the FAIR Plan’s Non-Owner Occupied Dwelling policy only covers the property and not liability, requiring the owner to obtain liability coverage separately. The law, Chapter 346 of the Acts of 2014, amends Section 1 of Chapter 175 of the General Laws of Massachusetts. The law becomes effective on January 8, 2015.