Which coverage must be included in a homeowner's insurance policy under Massachusetts law?

In Massachusetts, homeowner's insurance policies are required to include liability coverage as a fundamental component. This coverage protects homeowners from financial loss if they are found legally responsible for an injury to another person or for damage to another person's property. Essentially, liability coverage offers protection against lawsuits arising from accidents or incidents that occur on the homeowner's property or as a result of the homeowner’s actions.

While other types of coverage, such as fire damage and theft coverage, can be part of a homeowner's policy, they are not mandated by law. Flood coverage, in particular, is typically not included in standard homeowner's policies and often requires a separate policy through the National Flood Insurance Program. Therefore, liability coverage stands out as a statutory requirement, ensuring that homeowners have essential protection against common risks associated with property ownership.