MA H1302

Requires all homeowners insurance policies to include coverage for heating oil releases from residential liquid fuel tanks, including response action costs, property damage remediation, and third-party liability claims

Mandates minimum coverage of $75,000 per occurrence for first-party property damage and $250,000 per occurrence for third-party liability, with deductibles capped at $1,000 per claim

Covers 1-to-4 unit residential dwellings with above-ground or at-grade heating oil tanks, excluding underground tanks

Allows insurers to exclude coverage if the homeowner failed to comply with Chapter 148 heating oil tank safety requirements, provided the insurer gave annual written notice of those requirements in 16-point type

Applies to policies issued or renewed on or after January 1, 2024