Main Street America Insurance Non-Renewals in Massachusetts

Main Street America has announced plans to exit personal lines insurance in Massachusetts.
This change affects certain homeowners, dwelling fire, and umbrella policies first, with auto insurance expected to be impacted later as part of the broader personal lines exit.
If you have received (or expect to receive) a non-renewal notice, the information below explains what this means and what to expect next.

Frequently Asked Questions

Is Main Street America exiting personal lines insurance in Massachusetts?

Yes. Main Street America has announced it will discontinue writing personal lines insurance in Massachusetts. At this time, the company has indicated it will begin non-renewing homeowners, dwelling fire, and umbrella policies starting May 1.
Auto policies have not yet begun non-renewing, but are expected to be impacted as part of the broader personal lines exit.

Is my Main Street America policy still in force right now?

In general, policies are expected to continue through their current policy term. However, as with any insurance policy, coverage remains subject to policy conditions such as timely premium payment, continued eligibility, and policyholder-requested changes (for example, selling a vehicle or requesting a cancellation).
The carrier’s exit announcement does not cancel policies mid-term solely due to this market change.

Do I need to take any immediate action?

No immediate action is required at this time.
Our team is actively monitoring policies affected by the Main Street America exit.
If a policy is scheduled for non-renewal, we will review options and reach out in advance of the renewal date so there is time to arrange replacement coverage if needed.

Will my policy be cancelled because of this?

No. Main Street America has indicated these changes are expected to occur through non-renewal at the end of the policy term, rather than mid-term cancellation solely due to the carrier’s decision to exit the personal lines market.

Which policies are being non-renewed, and when?

• Homeowners, dwelling fire, and umbrella policies: Non-renewals are expected to begin starting May 1, depending on individual renewal dates.
• Auto insurance policies: Auto policies have not yet begun non-renewing, but are expected to be impacted as part of the broader personal lines exit.
  Additional guidance is anticipated.

Why is Main Street America discontinuing personal lines?

Main Street America has indicated this decision is part of a broader strategic shift, allowing the company to focus more heavily on commercial lines insurance.
This reflects a carrier business decision and is not necessarily related to an individual policyholder’s claims history or account performance.

Do I need to shop my insurance or contact another agent?

If your policy is serviced through Risman Insurance Agencies:
There is no need to shop on your own or contact another agency.
Our team is monitoring affected policies and will reach out if a replacement or change is required.

If your policy is insured with Main Street America through another agency:
You should speak with an independent insurance agency well before your renewal date to review options and avoid a lapse in coverage.
If you’d like, Risman Insurance Agencies can review your policy and help explore replacement options.

What about the transfer to Safeco?

Main Street America has announced plans to transfer certain personal lines policies to Safeco Insurance for agencies with an existing Safeco relationship. Rather than automatically moving coverage to a single carrier, our approach is to review multiple insurance companies to determine the most appropriate option based on coverage needs, pricing, and underwriting guidelines. Availability varies by risk and carrier.

When will I hear from Risman about my renewal?

In most cases, you can expect to hear from us approximately 30–45 days prior to your renewal date. If we identify a required replacement or a better option, we will contact you directly. If you do not hear from us, it generally means your coverage remains appropriate and is proceeding as planned.

What should I do if I receive a non-renewal notice?

If you receive a non-renewal notice and have not yet heard from our team, please contact us at 781-396-2116. We’ll review your policy, explain next steps, and help ensure there is no gap in coverage. If your policy is insured through another agency, this is an appropriate time to review replacement options.

Can I review or bundle other policies at the same time?

Yes. If you have auto, umbrella, rental, or other policies with different insurance companies, this can be a good opportunity to review and bundle coverages where appropriate. As an independent agency, we work with multiple insurance companies and can evaluate options across carriers.