Monomoy homeowners insurance products were specifically built to meet the under-served market currently being insured through the MA Fair Plan. When comparing coverages, it’s easy to see that the Monomoy product is equal to or superior to the MA Fair Plan in all categories.

As an example, take a look at this home below. This is a 2nd home in Orleans, MA that was built in 1959 and is within 2 miles from the coast. The Monomoy homeowners insurance coverage is much better option for the homeowner.

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Coverage A
Dwelling coverage- provides coverage for the structure including the walls, floors, ceilings, etc.
Coverage B
Other Structures – provides coverage for detached structures on your property including; shed, fence, garage, pool etc.
Coverage C
Personal Property – provides coverage for your personal property including furniture, clothing, etc. This coverage provides coverage not only at your home but away from your home and anywhere in the world!
Coverage D
Loss of Use – provides coverage when you home can no longer be occupied due to a covered loss i.e. fire. This coverage provides necessary increased living expenses incurred by you while your home is being repaired.
Coverage E & F

Personal Liability (Coverage E) – provides coverage for bodily injury and property damage for damages that you are legally liable for.

Medical Payments (Coverage F) – provides coverage for medical expenses to those injured at your insured location.

All Peril Deductible
All Perils Deductible – applies to any loss to your structure or belongings except when damage is caused by a Hurricane.
2% Deductible ($7,000)
Hurricane Deductible – applies to any loss to your structure caused by a hurricane named by the National Weather Service.
Inflation Guard
Increases your dwelling amount each year by a specified percentage to keep up with the rising cost of construction.
Water Back Up & Sump Discharge
The Monomoy enhancement endorsement provides $10,000 of coverage for water or waterborne material which backs up thru sewers or drains. It also covers if water overflows from sump pumps and related equipment.


Increased Limits on Loss Assessment & Special Limits of Liability

Increased Personal Property

Credit Card, Forgery & Counterfeit Money

Refrigerated Property

Identity Fraud

Lock Replacement

Loss by Theft, misplacing or losing of Jewelry

Loss by Theft of silver, gold, platinum or pewterware

Increased Limits on Debris Removal, Fire Department Surchage & Watercraft (including trailers & engines)

**This list is subject to exclusions, limitations and changes