Senator Dooner Files Bill Addressing Rising Insurance Costs for Manufactured Home Residents

Boston, MA — July 14, 2025 — Today, Senator Kelly Dooner (R-Taunton) has filed legislation to establish a Special Commission aimed at investigating the increase in insurance costs and the dwindling coverage options for manufactured and mobile home residents in Massachusetts.

“For too long, manufactured homeowners have been overlooked while their insurance costs climb and options disappear,” said Senator Dooner. “These residents deserve real answers and real solutions to protect the homes they’ve worked hard for.”

The bill, titled An Act addressing rising insurance costs for manufactured home residents (SD3057), would create a commission tasked with examining the availability, affordability, and regulatory treatment of insurance coverage for manufactured housing.

The Commission will investigate:
• The causes of rising premiums for manufactured and mobile homeowners.
• The level of insurer participation in the market and how market concentration affects pricing and access.
• The role of state regulations and practices in either exacerbating or alleviating insurance challenges.
• The adequacy of the FAIR Plan and other consumer protections.
• How Massachusetts compares to other states in regulating this market.
• Potential legislative or policy changes to expand coverage, improve affordability, and ensure market stability.
The Commission would include legislators, state agency officials, representatives from the Massachusetts Manufactured Housing Association, a municipal official from a community with a significant number of manufactured homes, and a consumer advocate with experience in elder housing. A report with findings and recommendations would be due within 12 months of passage.

Senator Dooner, who represents several communities with large, manufactured housing populations, emphasized the need for immediate action. “Manufactured homes are often the only pathway to homeownership for many seniors, veterans, and working families,” she said. “We need to ensure they aren’t priced out of their homes and ensure large insurance companies are not taking advantage of our residents.”

The bill is part of Senator Dooner’s continued efforts to advocate for affordability, stability, and peace of mind for Massachusetts homeowners.