The $10,000 Insurance Shock: How February 2025's FAIR Plan Changes Are Breaking Boston Real Estate Deals

February 2025 represents a structural shift in Massachusetts homeowners insurance: while reinsurance markets show moderation, primary homeowners face 16% premium increases, new FAIR Plan mandates (90% insurance-to-value, mandatory flood coverage for coastal properties), and a $1 million primary coverage cap forcing high-value homes into complex excess policies. These changes are adding $4,500-$10,000+ annually to ownership costs and breaking real estate transactions when buyers can't secure required coverage or when premiums push debt-to-income ratios over lender limits.