Protecting Your Marlborough Home: A Local Guide to Homeowners Insurance

May 7, 2025|byMurphy Insurance|inPersonal Insurance|disasters, flood insurance, home insurance, home replacement cost, homeowners insurance, marlborough ma, personal insurance

Owning a home in Marlborough, Massachusetts, is a rewarding investment—whether you’re settling into a historic Colonial near the town center or building a new life in one of the city’s modern neighborhoods. But along with the pride of home ownership comes the responsibility of protecting your property from life’s unexpected events. That’s where homeowners’ insurance plays a crucial role.

Protecting Your Marlborough Home A Local Guide to Homeowners Insurance

Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

At Murphy Insurance Agency, we’ve been helping Marlborough residents find the right protection for decades. We understand the local risks, regulations, and values that matter most to homeowners in the Metrowest area, and we are committed to delivering personalized coverage you can count on.

Why Homeowners’ Insurance is Essential in Marlborough

Marlborough’s charm lies in its mix of old and new—historic downtown architecture stands alongside new developments, townhouses, and suburban homes. As a Middlesex County city with easy access to Boston, Worcester, and major highways, Marlborough continues to attract new homeowners and families each year. With New England’s unpredictable weather patterns—including nor’easters, heavy snow, spring floods, and summer storms—insurance isn’t just a smart precaution. It’s a vital tool for protecting your home and peace of mind. Whether it’s a tree falling during a windstorm or a burst pipe in winter, the right homeowners policy ensures you’re not left facing financial hardship alone.

In 2024, approximately 5% of Massachusetts homeowners were uninsured, according to the Consumer Federation of America. Given that Massachusetts has about 2.9 million housing units, this translates to roughly 145,000 homes without insurance.

What Does a Homeowner’s Insurance Policy Cover?

Murphy Insurance offers flexible coverage packages that are tailored to your home, budget, and lifestyle. A standard homeowners insurance policy typically includes:

Dwelling Coverage: Protection for the physical structure of your home—including walls, roof, floors, and built-in appliances—from covered perils such as fire, wind, or vandalism.
Personal Property Protection: This coverage extends to your belongings inside your home, including furniture, electronics, clothing, and kitchenware. Optional add-ons can cover high-value items like jewelry or collectibles.
Liability Protection: If someone is injured on your property or you accidentally damage someone else’s property, liability insurance helps cover medical bills, legal fees, and settlements.
Additional Living Expenses (ALE): If your home becomes uninhabitable due to a covered event, such as a fire, ALE coverage helps pay for temporary housing, meals, and other related expenses.
Optional Endorsements: Depending on your needs, Murphy Insurance can recommend optional coverages like:
- Water backup protection
- Scheduled personal property
- Home-based business coverage
- Earthquake insurance or flood insurance

A Homeowners’ Insurance Policy can protect you from the following:

Fire – including damage from smoke and water used to put out a fire
Weather – lightning, windstorms, hailstorms, tornadoes
Electrical surge damage
Equipment failure – damage from bursting of heating, plumbing or hot water systems
Explosions
Glass breakage
Falling trees and objects
Collapse of roof or walls
Damage by vehicles
Theft or burglary
Vandalism and malicious mischief

Personalized Service from a Local Expert

Unlike online-only providers, Murphy Insurance is part of your community. Our team is well-versed in the specific risks homeowners face here. From understanding local building codes and real estate trends to identifying region-specific threats like ice damming or sump pump failures, we offer expertise you can’t get from a call center. As an independent insurance agency, we’re not tied to just one insurance carrier. We partner with top-rated national and regional insurers, which means we can compare multiple quotes and tailor coverage to meet your needs, not someone else’s quota.

Our Commitment To You

We’re proud to be more than just an insurance agency—we’re your neighbors. We actively support Marlborough’s local schools, events, and community initiatives. Whether you’re insuring your first home, upgrading your coverage as your family grows, or reviewing your options during a mortgage refinance, we’re here to help every step of the way. Murphy Insurance has earned a reputation for intelligent guidance, honest advice, and a genuine commitment to protecting what matters most to our clients.

Ready to Get Started?

If you’re buying a home in Marlborough or reviewing your current coverage, now is the perfect time to connect with Murphy Insurance. We’ll help you understand your options, identify coverage gaps, and build a homeowners policy that truly fits your lifestyle and budget.

✅ Visit our Homeowners Insurance page.
✅ Request a custom Homeowners Insurance Quote online.
✅ You can also call us directly at 800-222-8711 for a no-obligation consultation.

📍 While our Marlborough office is an operations center and not a walk-in location, you are welcome to visit our nearby Hudson office for in-person service.

Murphy Insurance Agency
50 Main Street
Hudson, MA 01749
Phone 978 568 8711
Fax 978 567 6436
Monday – Thursday, 8:30 am to 4:30 pm
Friday 8:30 am to 4:00 pm
Saturday 8:30 am to noon
directions & map

Trusted in Marlborough

At Murphy Insurance, protecting your home is more than just a policy—it’s a promise rooted in generations of local service, trusted advice, and real relationships. From our deep knowledge of Marlborough’s unique housing landscape to our ability to customize coverage through top-rated carriers, we’re here to make sure you’re prepared for whatever comes next.

Visit Our Homeowners Insurance Page

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating a plan that is tailored precisely to your requirements. Learn more about our homeowners’ insurance policies.

Read our Homeowners Insurance Blog Posts

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https://www.dfmurphy.com/blog/pool-safety/

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Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.

Prevent Flooding from Snow Melt

January 11, 2022

Snow has a high water content, posing flood risks if not managed properly. Implementing preventive measures can effectively mitigate potential flood issues caused by snow accumulation.

Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

November 18, 2021

Prepare for winter by ensuring your insurance coverage is adequate for potential damages caused by snow, ice, and cold weather. Take preventive measures such as cleaning gutters, insulating pipes, and servicing heating systems to minimize risks and protect your property.

Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

October 30, 2021

Ensure a spook-free Halloween by taking reasonable precautions to protect your property and visitors, suggests the Insurance Information Institute (I.I.I.). From well-lit walkways to raised liability limits, these measures not only keep the festive spirit alive but also provide financial security against potential mishaps.

Hurricane Season to Have ‘Above-Average’ Activity

June 28, 2021

Forecasters predict an above-average 2021 Atlantic hurricane season, with 18 named storms, eight hurricanes, and four major hurricanes expected. Now is the time to review your insurance coverage and prepare your property for potential storm damage—contact Murphy Insurance for guidance.

Prepare Your Home for Old Man Winter

October 14, 2020

Prepare your home for winter by scheduling chimney and furnace inspections to prevent fire hazards. Additionally, ensure your plumbing system is well-maintained to avoid burst pipes, and address any roofing issues before the snowfall to prevent costly damages that may exceed your insurance deductible.

Boat Insurance – Make Sure You’re Covered on the Water

May 18, 2020

Boat insurance is essential for protecting yourself and your loved ones, especially with unregistered boaters. While smaller watercraft may get limited coverage under homeowner policies, larger boats need separate, comprehensive insurance for adequate protection. Discuss coverage options with your agent to avoid gaps in protection.

5 Tips for Disaster-Free Festivities

December 20, 2019

As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.

What is Oil Spill Clean-Up Coverage? Why You Should Have It

Why You Should Have Oil Spill Clean-Up Coverage

November 12, 2019

Ensure your home is protected from potential oil spills with an "Escaped Liquid Fuel Endorsement," providing coverage for fuel contamination to your property and beyond. Don't risk costly out-of-pocket expenses—contact Murphy Insurance to discuss securing this essential coverage for your peace of mind.

Carbon Monoxide Detectors…It’s the Law!

November 1, 2019

In 2006, Massachusetts enacted "Nicole's Law" after 7-year-old Nicole Garofalo's tragic death from carbon monoxide poisoning. Despite its importance, many homes still lack mandated CO detectors, posing risks. Compliance remains low despite legal requirements for detectors in homes with fossil-fuel appliances or enclosed parking.

Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

July 2, 2019

Social host liability laws, often referred to as "Dram Shop Liability," are present in 43 states and offer recourse for injured parties, such as victims of drunk driving incidents, to sue those who served alcohol. Understanding these laws and taking precautions can help hosts mitigate their liability risks and ensure a safer environment for all guests.

How To Protect Your Home From Water Damage

November 9, 2018

Various insurance policies cover different types of water damage, with homeowners and renters insurance typically including protection for burst pipes, wind-driven rain, and damage from roof ice dams. While standard policies may cover top-down water sources like rainfall, additional coverage such as sewer backup riders may be necessary for certain situations.

Understanding Your Insurance Deductibles

October 1, 2018

In the event of a home disaster or car accident, the deductible represents the amount you're responsible for covering and is deducted from your claim payment. Understanding how deductibles function can help avoid unexpected expenses and lead to savings.

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How Often Should Jewelry or Other Scheduled Valuable Appraisals be Updated?

June 28, 2018

For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it's essential to periodically update appraisals due to potential shifts in values over time.

Settling Insurance Claims After a Disaster

March 5, 2018

After a disaster, settling insurance claims can be daunting, but taking quick, informed steps can make all the difference. From contacting your agent to documenting damage and making temporary repairs, this guide outlines everything you need to know to get started and avoid costly pitfalls.

Thanks and Please Be Safe In the Kitchen & On the Road

November 20, 2017

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.

Equifax Breach – Freezing Your Credit May Impact Your Insurance

October 27, 2017

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.

In Case of a Flood

August 9, 2017

In the event of a flood, it is critical to protect yourself, your family, and your property. To do so, there are many preventative and protective measures you can take.

6 Tips to Mitigate Potential Water Damage

July 7, 2017

Amidst nationwide weather turmoil and escalating water damage claims due to torrential rains and flooding, coupled with mechanical breakdowns, protecting your home becomes paramount. Explore essential measures to fortify your home against these impending disasters.

Lawnmower Safety

June 9, 2017

Annually, about 75,000 individuals sustain injuries from lawnmowers necessitating emergency room care, with the majority attributed to human error rather than mechanical malfunction.

NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

January 4, 2017

If you're hesitating to remove your Christmas tree, consider this: Nearly 40% of U.S. home fires involving Christmas trees happen in January. The NFPA urges prompt removal of trees after the holiday season to prevent fire hazards.

Summer Storm Resources to Help Mitigate Risks

August 11, 2016

Summer across the United States often brings a range of severe weather conditions, from hailstorms and thunderstorms to high winds, flooding, lightning, and tornadoes. Taking proactive steps to mitigate damage is essential, and ensuring you have appropriate insurance coverage can provide protection for both personal and business needs in unavoidable loss situations.

Cover Personal Injury Loss Exposures

July 13, 2016

Homeowners policies typically exclude personal injury claims like defamation unless a personal injury endorsement is attached. Manage these risks by monitoring social media activity, educating family members on online conduct, and considering additional coverage options like personal umbrella policies for comprehensive protection.

Be Lighting Safe...Include a Lightning Protection System in your Building or Remodeling Plans

Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

June 23, 2016

Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.

2016 Hurricane Season is Here, Be Prepared

June 2, 2016

The 2016 hurricane season begins June 1, with NOAA predicting 4 to 8 hurricanes. Prepare by creating a disaster kit and reviewing your insurance—standard policies cover wind damage, but flood coverage requires a separate policy. Strengthen your home by trimming trees and securing windows, and consider buying a generator. Contact your agent to ensure your coverage is sufficient before the storm season.

Mitigate Rental Property Coverage Gaps

June 2, 2016

Homeowners can rent property to tenants regularly, and it's crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

May 20, 2016

In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.

Home Insurance Checklist…Getting the Best Value

March 24, 2016

To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you're a new homeowner or have owned your home for some time.

Be Aware of Uber and Airbnb Insurance Gaps

February 19, 2016

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

February 15, 2016

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.

Fending Off Home Burglars

January 22, 2016

In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.

Get Proper Protection for your Home Business

January 12, 2016

With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.

Bump Up that Deductible!

November 5, 2015

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.

Check Your Sump Pump

April 13, 2015

Regular maintenance checks are crucial to ensure your sump pump functions properly, preventing damage from excess ground or rainwater and keeping your home dry. Testing the pump annually, preferably in late winter or early spring before the onset of heavy spring rains, can significantly reduce the risk of failure during critical moments.

10 Things You Should Know About Insurance

March 25, 2015

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.

Tips for Protecting Property in Winter Weather

February 9, 2015

With snowfall persisting this week and several more weeks of winter remaining, property owners are diligently clearing driveways, parking lots, and sidewalks. As snow accumulates, it's crucial to monitor roofs and mitigate risks of damage from ice dams and excessive snow load weight while staying safe from a hazardous situation.

Snow Load Alert…Protect Your Roof and Building

January 26, 2015

Property owners must manage snow accumulation on roofs during winter storms to prevent hazards. From clearing snow from vents to watching for structural weaknesses, taking proactive steps can safeguard against damage and potential accidents.

Smother Residential Fire Losses

December 14, 2014

Fire is the primary cause of property loss annually in the U.S., with nearly 500,000 structure fires reported, amounting to around $10 billion in property damage. This peril claims thousands of American lives yearly and inflicts over 15,000 injuries.

Flood Insurance Bill Signed Into Law in 2014

July 24, 2014

Governor Deval Patrick has swiftly approved House Bill No. H-3783, known as "An Act Relative to Flood Insurance" (Chapter 177 of the Acts of 2014). This new law, effective immediately, bars creditors from mandating certain types of flood insurance for residential property purchasers or owners.

Get Your Coverage Updated Well Before a Storm

July 3, 2014

Amid Hurricane Arthur affecting the Atlantic coast, New England residents can find solace in forecasts suggesting the storm will remain offshore, potentially limiting damage to Fourth of July festivities. However, it's crucial to remember to update insurance coverage well before an approaching hurricane, as insurance companies typically restrict changes to property coverage limits when a storm is imminent.

6 Tips for Burglar-Proofing Your Home

April 11, 2014

Reduce the risk of home burglary with these effective prevention strategies. From installing motion-sensing lights to investing in a monitored burglar alarm system, taking proactive measures can significantly deter intruders and safeguard your property and peace of mind.

Thank You & Be Safe Over Thanksgiving

November 27, 2013

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.

Safety Tips: Prevent Kitchen Fires This Thanksgiving

November 25, 2013

Thanksgiving brings joy but also heightened kitchen risks. The U.S. Consumer Product Safety Commission warns that cooking fires triple on Thanksgiving, emphasizing the need for vigilance and safety measures like staying present while cooking and keeping fire extinguishers handy.

Cook Safely This Thanksgiving to Prevent Kitchen Fires

November 25, 2013

Thanksgiving is the peak day for home cooking fires—more than triple the daily average. Stay safe by never leaving cooking unattended, keeping children away from hot surfaces, and having smoke alarms and a fire escape plan in place.

Hurricane Sandy One Year Later

October 29, 2013

Hurricane Sandy struck the East Coast on October 29, 2012, causing widespread devastation. A year later, coastal communities were still grappling with the aftermath, with many families and businesses facing ongoing challenges in rebuilding and financial recovery.

Flood Insurance Reform may Significantly Increase Premiums for Some Property Owners

September 23, 2013

As of October 1, 2013, changes to the National Flood Insurance Program (NFIP) under the Biggert-Waters Flood Insurance Reform Act are being phased in. These reforms aim to make the program more financially stable by phasing out subsidized rates and aligning premiums with actual flood risk. Not all policyholders will be affected immediately, but rate increases—especially on secondary homes, businesses, and repeatedly flooded properties—are underway. Be informed and prepared if you own property in a flood-prone area.

Keep Your Home in Tip-Top Condition

June 23, 2013

In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.

Hurricane Season is Here. Be prepared.

June 20, 2013

With the threat of an active hurricane season looming, now is the time to review your insurance coverage and prepare your property. Don’t wait until a storm is imminent—protect your home or business from wind and flood damage before it’s too late.

Lessons From Sandy…Get Flood Protection

March 26, 2013

Sandy's impact was devastating, with flood waters inflicting the most severe damage. Standard insurance policies typically don't cover flood-related losses, necessitating a separate flood insurance policy. Despite the risk, many opt out due to cost concerns or underestimation of the potential threat.

Keep Your Home in Tip-top Condition

March 7, 2013

Maintaining your home properly can help prevent future insurance claims and lower your premiums. Simple actions like replacing worn-out washing machine hoses, repairing water leaks promptly, and installing automatic water shut-off systems can make a big difference. Regular roof inspections and choosing durable materials can also protect your home and reduce long-term risks.

Insurance Claim Tips For After The Storm

October 29, 2012

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.

Remembering Irene…Lessons Learned

September 21, 2012

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.

Hurricane Season Highlights Need for Flood Insurance

August 21, 2012

As hurricane season reaches its peak, many homeowners still lack flood insurance—leaving them vulnerable to costly storm surges and flood damage. Since standard policies don’t cover flooding, now is the time to secure separate flood insurance before the next storm hits.

Hurricane Emergency Storm Planning

June 25, 2012

Running from June through November, the Atlantic hurricane season is expected to bring 9 to 15 named storms, according to NOAA. Even if you're not on the coast, high winds and flooding can cause serious damage inland. Now is the time to review your emergency plans and confirm you have the right insurance coverage—including flood and business interruption protection—before a storm is on the radar.

Documenting Antiques & Fine Arts For Insurance

Documenting Antiques And Fine Art For Insurance

May 7, 2012

Maintaining a home inventory is crucial for safeguarding your belongings, ensuring you're prepared for unexpected events requiring insurance claims. Particularly for antiques or fine art owners, detailed documentation is essential to guarantee compensation.

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Consigning Property For Auction: Part 4 – Auction Fees

May 2, 2012

Many individuals have inquiries about auction fees, which typically include buyer and seller fees, adhering to industry standards. These fees cover the auction house's efforts to ensure your property reaches an optimal buying audience, providing valuable services for both parties involved.

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Consigning Property For Auction: Part 3 – The Auction Schedule

April 25, 2012

Wondering when to reach out to an auction house to sell your property? You needn't wait for an upcoming auction announcement; most major houses plan schedules six months to nearly a year ahead, making it easy to schedule your property for sale in an upcoming auction.

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Consigning Property For Auction: Part 2 – Maximizing Your Antiques Appraisal

April 17, 2012

Once you've selected an auction house, arrange for a thorough evaluation of your property by an expert appraiser, whether online, in person, or at your home. This step is crucial for maximizing the value of your antiques appraisal process.

Consigning Property for Auction: Part 1 – Are You Ready for an Antiques Appraisal?

April 11, 2012

Murphy Insurance is proud to partner with Skinner Inc. as co-presenting sponsor of The Wayside Inn Antiques Show. Leading up to the event on May 11-13, we're delighted to feature insights from Karen Keane on the process of consigning property for auction.

Trick or Treat…Be Safe!

October 31, 2011

Safety remains paramount for trick-or-treaters and motorists as Halloween festivities commence, even amidst unexpected weather surprises. Drive cautiously, illuminate walkways, and ensure decorations pose no hazards while also practicing vigilance against potential storm-related dangers. Wishing everyone a joyful and secure Halloween celebration!

Back-to-School College Student Insurance Issues

August 18, 2011

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.

Five Insurance Lessons from ‘The Town’

August 18, 2011

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.

Avoid Ice Dams & Roof Collapse from Snow

February 22, 2011

Heavy snow accumulation on your roof can lead to ice dams or even roof collapse. Regularly remove snow, especially after large storms, using the right tools to avoid damage. For flat roofs, consider professional help due to safety risks. Additionally, ensure gutters are clear to help melted snow drain efficiently.

Massachusetts Snow Removal Law

December 22, 2010

A recent court ruling has changed snow removal laws in Massachusetts, significantly increasing the liability risk for property owners. Now, failing to promptly clear snow or ice—regardless of how it got there—can lead to costly lawsuits if someone gets injured.

Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

March 9, 2010

Starting July 1, 2010, Massachusetts homeowners using oil for heating must upgrade their systems to prevent leaks. Insurance companies are now mandated to offer coverage for such incidents. Visit the Mass DEP website for detailed upgrade requirements, and contact a heating professional to assess your system's needs.