Citizens for Homeowners Insurance Reform

Hear Paula Aschettino question Democrat Candidate Warren Tolman for Attorney General on his support for fighting the Homeowner Insurance Crisis. - September 8, 2014

Click here to listen to interview.

Please talk to all candidates for Governor and Attorney General for the Nov. elections about our Homeowner Insurance Crisis. We have Excessive Premiums, Excessive Wind Deductibles triggered by any wind event, Excessive replacement values on our homes.

We need a Commissioner of Insurance to mandate ALL Homeowner Insurers in MA must provide proof in rate filings as described in the recent Fair Plan Rate Hike Denial , R2013-01. Standards should all be the same.

Fair Plan Rate Hike Denied by MA Commissioner of Insurance June 9, 2014

Read Reasons for the denial - Why are private insurers' rate hike requests not denied as well, they use same models and data sources?

Take action:
Call Glenn Kaplan of the Attorney General's Office 617-727-2200
write the Commissioner of Insurance, Joseph Murphy
1000 Washington St. Suite 810
Boston MA 02118-6200

We want the Commissioner of Insurance to apply the same " Standards" of requiring proof in ALL homeowner insurance rate filings as written by the Commissioner in the R2013-01 Fair Plan Denial- June 9, 2014 .


Homeowner Insurance Bill Hearing on Sept. 17

The hearing date on Homeowner Insurance Bills at the State House in Boston. I urge consumers to look up these Bills and attend this hearing to testify on Bills . To get to the State House take the Plymouth Brockton Bus to South Station and red line to Park Street. Walk up the hill to the State House.

Paula Aschettino
Chair Citizens for Homeowenrs Insurance Reform
508-846-5250 cell

The Fair Plan has proposed a 9.9% Homeowner Insurance Rate Increase for the Cape and Islands.

Click on the files below to read the transcripts of the hearings held on July 22, 2013.

You can e-mail: with your comments. All submissions shall reference Docket No R2013-01.

Please also state you want the rate increase to be denied.

You can also mail your comments to:
Docket Clerk Hearings and Appeals
Division of Insurance
Docket No R2013-01
1000 Washington Street, Suite 810
Boston MA 02118-6200

Voluntary Insurers raise Premiums 437%

I urge all to write their insurance story: rate increases, deductibles, increased replacement values, any homeowner insurance information and mail this to the Financial Services Committee and to the new Rating Bureau Director at the DOI: your stories are powerful!

Joint Committee on Financial Services
Senate Rm 424 State House
Boston, MA 02133
Joint Committee on Financial Services
House Rm 254 State House
Boston MA 02133
Matthew Mancini
Rating Bureau Director
MA Division of Insurance
1000 Washington St.
Boston, MA 02110-2208

Letter to Attorney General Martha Coakley

Many may be missing out on insurance savings - By Jay MacDonald,
Michael Barry, of the Insurance Information Institute, offers these tips to save on insurance without unduly sacrificing on coverage...

Click here to read entire article

Robert Hunter, Director of Insurance for the Consumer Federtion of America Organization has sent his recent data and opinions on needed changes in homeowners insurance. Click the following links to read them:
New York Governor's Commission Insurance & Risk Management Reform Subcommittee

NAIC Remarks at Hearing on Hurricaine Sandy

Karen Clark & Co. Introduces RiskInsight® Platform for Cat Risk Managment
Boston-based Karen Clark & Company (KCC), independent experts in catastrophe risk, catastrophe models and catastrophe risk management, announced the release of the RiskInsight® open, global platform for catastrophe risk management ...more

Taking heat is part of the job for state insurance chief - Boston Globe, 7/29/12
Click here to read full article

Please send your homeowner insurance story to so he will understand that the denial and minimizing of the excessive homeowner rates by the Commissioner of Insurance and Governor is unjust and a failure of the Patrick Administration. You may also send your story to the Governors Office:
Governor Patrick
State House Rm 280
Boston MA 02133

Help Fight Rate Hikes of the Voluntary Market Companies
Sample letter to the Commissioner of Insurance
Fair Plan Rate Hike Request Dismissed & Disapproved by MA Commissioner of Insurance.
The Attorney General and State Rating Bureau challenged the adequacy of the evidence presented by the MPIUA( Fair Plan) to support it's proposed rates. The Commissioner agreed that the Fair Plan did not meet it's burden of proof on the accuracy of the Hurricane Models to MA and the reinsurance proposed.
Click here for the full decision.
MA Regulators should probe Liberty Mutual
I am asking members to e-mail the Governor at: regarding the Liberty Mutual Tax Break and Commissioner of Insurance Murphy poor job to protect consumers. Also call your legislator and ask for their investigative help on this matter.
Click here to read Paula's email to legislators.
Ron Lasko, a consumer advocate who supports our efforts, responds to the Cape Cod Times series by Jack Golembeski, President of the Fair Plan which was in response to Paula's My View series.
Click here to read Ron's response.

Cape Cod Times three-part series examining homeowners insurance in Massachusetts written by Paula Aschettino, chairwoman of Citizens for Homeowners Insurance Reform, and members and consumer advocates Ron Lasko and Jane Logan.
Click here to read the three-part series.

Click here for the legislators testimony to the Docket Clerk on the Fair Plan Rate Hike

Thank you, Paula Aschettino and The Committee

"Citizens for Homeowners Insurance Reform"

Hurricane Season 2013:
PCI Urges Property Owners, Renters To Review Their Insurance Policies
Click here for more details...
House Bill H00311
Bill H00311 was submitted to the State House January 19, 2011 It will be sponsored by Paula Aschettino, Sarah Peake our State Representative and other Representatives will be asked to sign on.
Click here to see the language of our bill inserted into the existing statute.
Testimony From the Hearing
  • Part 1
  • Part 2
  • Part 3

  • 2010 Data on Losses & Premiums
    2006-2010 Loss Experience by Cause
    FairPlan 2010 Loss Experience
    Loss Ratios 2010 - Homeowers Only
    2010 Private Insurers Loss Experience
    Fair Plan Indicated & Proposed Rate Change 2010

    I support this initiative for positive change to the present, unfair insurance practices.
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    Click here to print and fax this form.

    Please click here for sample letters you can send to your legislator.
    The time has come to ask you to make a small donation to cover costs of this fight for "Insurance Reform". Please send a donation to the address below, we are now a Not for Profit Corporation.
    Please print and fill-out the Insurance Complaint Form if you feel that your homeowners insurance is too costly. (Please send a copy to both the Governor & the Division of Insurance)

    21 Smith Street
    Eastham, MA 02642
    Phone: 508-240-5231
    Fax: 774-207-0114
    To reach Paula Aschettino e-mail her @


    © 2013 Citizens for Homeowners Insurance Reform