4.  Damage to Someone Else’s Property

pays for damage to another person’s property and costs associated with the loss of use of that property, when you, a household member or another authorized driver cause an accident. A minimum limit of $5,000 is required. With the rising costs of automobile and property repair, it may make sense to purchase more than the required $5,000 minimum limit. This can be done at minimal cost. Limits of $50,000 or $100,000 are frequently purchased. Note that only 3% of all drivers purchase the $5,000 minimum.

Source: Massachusetts Department of Insurance