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SD 3057

An Act addressing rising insurance costs for manufactured home residents

194th Legislature (2025-2026) Introduced by David DeCoste and 10 co-sponsors

Creates a special commission to study rising manufactured/mobile home insurance costs in Massachusetts and propose solutions to expand coverage and improve affordability.

Referred to the committee on Financial Services
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Bill Summary · SD 3057

Summary: Senate Bill SD 3057 – An Act addressing rising insurance costs for manufactured home residents

Overview

SD 3057, titled “An Act addressing rising insurance costs for manufactured home residents,” proposes the creation of a special commission to study and propose solutions related to homeowners insurance for manufactured and mobile homes in Massachusetts. The bill is currently a proposed measure, referred to the Senate Committee on Financial Services following action in July 2025.

Purpose and intent

  • To investigate and understand why homeowners insurance premiums for manufactured and mobile homes are rising.
  • To evaluate how market participation, competition, regulation, and existing protections affect pricing, availability, and affordability.
  • To assess the adequacy of consumer protections (including the FAIR Plan) for manufactured homeowners.
  • To compare Massachusetts regulatory burden and coverage trends with other states.
  • To identify policy or legislative options to expand coverage, improve affordability, and promote long-term market stability for manufactured housing residents.

Key provisions

  • Establishment of a special commission, notwithstanding any contrary law, to study the availability, affordability, and regulatory treatment of homeowners insurance for manufactured and mobile homes in the Commonwealth.
  • Scope of the commission includes:
    • Causes of rising premiums for manufactured/mobile homeowners.
    • Current insurer participation and market concentration effects on pricing and access.
    • Role of state regulations, statutes, and administrative practices in insurance challenges.
    • Adequacy and limitations of the FAIR Plan and other protections.
    • How Massachusetts compares to other states in regulatory burden, coverage availability, and rate trends.
    • Potential policy or legislative solutions to expand coverage options, improve affordability, and stabilize the market.

Commission composition

The commission shall include:
- Co-chairs: the chairs of the joint Committee on Financial Services (House and Senate).
- The following members or their designees:
- Commissioner of Insurance
- Attorney General
- Secretary of the Executive Office of Housing and Livable Communities
- One member appointed by the Speaker of the House
- One member appointed by the President of the Senate
- One member appointed by the House minority leader
- One member appointed by the Senate minority leader
- One representative from the Massachusetts Manufactured Housing Association (appointed by its board)
- One municipal official from a city/town with a significant number of manufactured home communities (appointed by the Massachusetts Municipal Association)
- One consumer advocate with elder housing experience (appointed by the Governor)

Reporting and timeline

  • The commission must submit its report, findings, and any recommendations or drafts of legislation to:
    • Clerks of the House and Senate
    • Joint Committee on Financial Services
    • House and Senate Ways and Means Committees
  • Deadline: no later than 12 months after passage of the act.

Procedural status and actions

  • Introduced and filed: July 14, 2025.
  • Rules suspended and referred to the Committee on Financial Services: July 31, 2025.
  • Concurrent referral to Rules on initial filing: July 14, 2025.

Affected parties and potential impact

  • Manufactured and mobile homeowners in Massachusetts, who face rising insurance costs and access challenges.
  • Insurance providers operating in this market and the FAIR Plan.
  • Stakeholders representing manufactured housing communities (municipal officials) and consumer advocates, especially those focused on elder housing.
  • The bill signals a potential shift toward data-driven policy options and future legislation aimed at expanding coverage options, reducing costs, and stabilizing the market for manufactured home residents.

Notes

  • The bill does not enact insurance reforms itself but creates a framework for study and recommendation, with a 12-month reporting requirement.

Compiled from official sources — confirm details with the bill’s official record.

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