This property carries liability-only coverage. There is no dwelling coverage, no contents coverage, no other structures coverage. A fire, storm, flood, or any other property loss results in zero insurance recovery. The Chubb Masterpiece form makes it trivially easy to add Deluxe House Coverage — this is almost certainly an oversight or a temporary policy decision that was never revisited. Given Gloucester's coastal exposure, this is one major hurricane away from a complete uninsured loss.

Identical situation to 26 Sleepy Hollow. Liability-only. No dwelling, no contents. Two uninsured Gloucester properties on the same policy — both facing coastal Atlantic weather risk, both with zero property recovery if damaged or destroyed. The $57 annual premium for each confirms this is liability-only. A proper insured coastal property at this level would carry $2,000–$8,000+ annually.

The standard Chubb Masterpiece mold sublimit is $10,000. For a high-value estate on wooded Lincoln, MA land — with mature trees, a high water table, and wet New England seasons — a meaningful mold event can cost $50,000 to $250,000 in professional remediation, air quality testing, and reconstruction. The policy itself includes a notice saying you can request an increased limit before renewal. That request was apparently never made.

The policy renewed January 15, 2026. The three critical gaps — two uninsured Gloucester properties and the $10K mold sublimit — should have been addressed at renewal but were not. These can still be corrected via mid-term endorsement. Contact Brown & Brown immediately. Chubb's endorsement process is straightforward for existing Masterpiece clients.