MA S813

Requires all homeowners' insurance policies to include coverage for heating oil releases from residential liquid fuel tanks, covering 1-4 unit dwellings

Mandates minimum first-party property coverage of $75,000 per occurrence for assessment, remediation, and property damage on the insured's property

Mandates minimum third-party liability coverage of $250,000 per occurrence for claims arising from heating oil releases affecting groundwater or neighboring properties, including defense costs

Limits deductibles to a maximum of $1,000 per claim and allows insurers to include a reasonable charge for coverage in all homeowners' premiums

Permits insurers to exclude coverage when the release resulted from the owner's failure to comply with fuel tank safety requirements under Chapter 148, provided annual written notice was given to the insured

Applies to policies issued or renewed on or after July 1, 2025