MA H1194

Requires homeowners' insurance companies and the joint underwriting association to offer coverage for heating oil spill cleanup from residential liquid fuel tanks on 1-4 unit dwellings

Mandates minimum first party property coverage of $75,000 per occurrence for cleanup and remediation costs, with a deductible not exceeding $1,000

Mandates minimum third party liability coverage of $250,000 per occurrence for claims arising from heating oil releases that impact neighboring properties or groundwater

Coverage must be automatically included in homeowners' policies unless the policyholder signs a written rejection

Applies to tanks located inside structures, at or below grade level, or outdoors, but excludes underground tanks