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.

CoverageMA Fair PlanMonomoy
Dwelling Coverage
Provides coverage for the structure including the walls, floors, ceilings, etc.$350,000

Other Structures
Provides coverage for detached structures on your property including; shed, fence, garage, pool etc.$35,000

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!$175,000


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.$70,000


Personal Liability
Provides coverage for bodily injury and property damage for damages that you are legally liable for.$500,000/$5,000

Medical PaymentsProvides coverage for medical expenses to those injured at your insured location.$500,000/$5,000

All Peril Deductible
Applies to any loss to your structure or belongings except when damage is caused by a Hurricane.$2,500

Hurricane Deductible
Applies to any loss to your structure caused by a hurricane named by the National Weather Service.WIND

Inflation Guard
Increases your dwelling amount each year by a specified percentage to keep up with the rising cost of construction.$38
No Charge 

Water Back Up & Sump DischargeThe 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.$5K limit $102$10K limit; No Charge

*Endorsements included with Monomoy at no extra charge. This list is subject to exclusions, limitations and changes

  • 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)