Prestigious courthouse columns
Department 05
Legal, Permitting & Insurance

The Court

House

Where Complex Permits
Become Clear Pathways.

Connect with licensed attorneys, permitting specialists, and insurance agents who understand ADU development. Expert guidance through zoning, contracts, compliance, and coverage — from application to Certificate of Occupancy.

390 +
Towns Covered
98 %
Permit Success
25 +
Partners
Connect with Expert Partner Sign Up
Important Notice
The ADU Exchange LLC does not provide legal or insurance advice. All legal counsel, insurance policies, and coverage decisions are provided exclusively by our independent, licensed partners. The ADU Exchange LLC serves solely as a referral service connecting homeowners with qualified professionals. Any attorney-client or agent-client relationship is formed directly between you and the partner you engage.

What Help Do You Need?

Choose your path based on where you are in your ADU journey.

I Need Permits

Building permits, zoning approvals, variances

I Need Contracts

Contractor agreements, change orders, liens

Zoning Questions

Setbacks, variances, appeals, by-right rules

Property Issues

Easements, HOA, title, neighbor disputes

I Need Insurance

Builder's risk, liability, rental coverage

Insurance Services

Protect Your ADU Investment

From groundbreaking to rental income, the right insurance coverage protects your investment at every stage.

Find Your ADU Insurance Agent

ADU projects require specialized coverage that typical homeowner's policies don't provide. Connect with insurance agents who specialize in construction, rental properties, and ADU-specific coverage options.

Homeowner's insurance
Landlord Coverage
Liability Protection
Find Insurance Agents
DURING BUILD

Builder's Risk Insurance

Protects your ADU during construction from fire, theft, vandalism, and weather damage. Essential before breaking ground.

  • Materials & supplies coverage
  • Theft & vandalism protection
  • Weather damage coverage
Get Quote
ESSENTIAL

General Liability Coverage

Protects you from third-party injury claims during and after construction. Covers legal fees and settlements.

  • Visitor injury protection
  • Property damage liability
  • Legal defense costs
Get Quote
FOR RENTALS

Landlord / Rental Insurance

Comprehensive coverage for your rental ADU including lost rent, tenant damage, and liability protection.

  • Lost rental income
  • Tenant damage coverage
  • Premises liability
Get Quote
REQUIRED

Homeowner's Policy Update

Your existing homeowner's policy needs updating to include the ADU. We ensure proper coverage without gaps.

  • Coverage increase review
  • Gap analysis
  • Policy endorsements
Review Policy
EXTRA LAYER

Umbrella Policy

Additional liability coverage beyond your standard policies. Protects your assets from large claims and lawsuits.

  • $1M+ additional coverage
  • Asset protection
  • Lawsuit defense
Learn More
Popular

Short-Term Rental Insurance

Specialized coverage for Airbnb/VRBO rentals. Standard landlord policies don't cover short-term guests.

  • Guest injury coverage
  • Property damage by guests
  • Booking platform gaps
Get Protected

When You Need Insurance Coverage

Before Permit

Update homeowner's policy, verify contractor's insurance

WEEK 1-2

Construction Start

Builder's risk insurance, general liability active

DURING BUILD

CO Issued

Convert to permanent coverage, finalize policy updates

AT COMPLETION

First Tenant

Landlord policy active, require tenant's renter's insurance

ONGOING
Find Your ADU Insurance Agent
Permit Services

Navigate the Permit Process

From initial application to final inspection, we guide you through every step of the permitting maze.

The ADU Permit Journey

1

Zoning Review

Verify ADU eligibility for your property

2

Plan Submission

Submit architectural & engineering plans

3

Department Reviews

Building, Fire, Health, Conservation

4

Permit Issued

Receive building permit approval

5

Certificate of Occupancy

Final inspections & CO issued

ESSENTIAL

Building Permit Application

Complete application preparation with all required documentation, plans review checklist, and submission guidance.

  • Application completion assistance
  • Document checklist review
  • Fee calculation guidance
Get Started
SPECIALIZED

Zoning Variance / Special Permit

When your project doesn't meet standard zoning requirements, we help you navigate the variance process.

  • Variance application prep
  • ZBA hearing representation
  • Neighbor notification support
Get Started
ADU Exchange Exclusive

PermitPac™ Generator

Our proprietary system auto-assembles your complete permit package with all required forms and documents.

  • Town-specific forms
  • Auto-filled applications
  • Submission-ready package
Try PermitPac
APPEALS

Permit Denials & Appeals

Permit denied? We help you understand why and develop an appeal strategy to move forward.

  • Denial analysis
  • Appeal preparation
  • Board hearing support
Get Help
INSPECTIONS

Inspection Coordination

Know what inspectors look for at each stage and prepare your project for passing marks.

  • Pre-inspection checklists
  • Scheduling guidance
  • Failed inspection remediation
Learn More
FINAL

Certificate of Occupancy

The final step! We ensure you have everything needed to obtain your CO and legally occupy your ADU.

  • Final inspection prep
  • Documentation review
  • CO application support
Get Ready
Request Your Consultation Today!

Get Expert Guidance

Talk to a legal or insurance professional about your ADU project. No obligation, no cost for your first consultation.

By submitting, you agree to our Terms of Service and Privacy Policy. Your information is confidential.

Attorney-Client Privilege
Confidential
Response in 24hrs
Licensed Agents
For Attorneys, Permit Specialists & Insurance Agents
Become a VERIFIED Courthouse Partner
The ADU Exchange connects homeowners with trusted legal, permitting, and insurance professionals who understand the complexities of ADU development. Get listed in The Courthouse, be visible to homeowners navigating zoning, contracts, permits, and coverage — and be the professional they call when things get complicated.
⚖️
Secure Your Partnership Today
Limited spots per region
📋
Homeowners Need You at Every Phase
ADU projects touch permits, zoning variances, construction contracts, lien waivers, builder's risk insurance, and landlord coverage. Homeowners on our platform are actively searching for professionals who can guide them through the legal and compliance side — from first application to Certificate of Occupancy.
⚖️
Be the ADU Specialist They Trust
Most attorneys and insurance agents have never touched an ADU project. That's your edge. Verified Courthouse partners are positioned as the ADU-focused specialists — the ones who understand by-right zoning, retainage clauses, construction-phase coverage gaps, and everything else that generic professionals overlook.
🧰
Free Tools to Use With Your Clients
Every partner gets access to our Zoning Lookup Guide, Insurance Coverage Matrix, and Contract Clause Library — interactive tools you can walk through with clients to identify coverage gaps, flag zoning issues, and build airtight contracts before problems ever start.
⚡
Every ADU Project Needs Legal & Insurance — Will They Find You?
With Massachusetts requiring by-right ADUs across the state, homeowners are moving forward faster than ever — and every single one of them needs permit help, contract review, and insurance coverage. The professionals listed in The Courthouse are the first ones homeowners see when they need guidance. Partner spots are limited per region. If you're not in The Courthouse, they'll find someone who is.
Apply Now →