NEIU’s new Standard Market Coastal Homeowners program is designed to depopulate the Massachusetts FAIR Plan. It is an HO3 form and available to homeowners in Barnstable, Bristol, Duke, Essex, Nantucket and Plymouth counties. Compare our Standard Market Coastal Homeowners program to the MA FAIR Plan.

  • Average premium savings over MA FAIR Plan of 5-15%
  • Customizable coverage limits allow us to tailor the policy to the insured’s specific needs
    • Coverage B – can range as low as 5% or as high as 50% of Cov A limit
    • Coverage C – can range as low as 25% or as high as 80% of Cov A limit 
    • Coverage D – can range as low as 20% or as high as 40% of Cov A limit
  • NEIU’s Lighthouse Endorsement offers a range of extended coverages
    • Higher limits for Scheduled Personal Property up to $5,000
      • Jewelry
      • Firearms
      • Silverware
      • Portable electronics
    • Refrigerated Property coverage
    • Lock Replacement coverage
    • Identity Fraud Expense coverage
  • Earthquake coverage available
  • Direct billing available
  • Loyalty program – credit for every year insureds renew with NEIU up to 5 years