Find the Best Homeowners Insurance Rates & Companies in Massachusetts
Homeowners insurance in Massachusetts costs, on average, about $1,488 per year. With the national average cost of home insurance being $1,211 annually, residents in Massachusetts pay quite a bit more for their coverage. In fact, Massachusetts' home insurance rates rank the 9th most expensive in the nation.
Home prices in Massachusetts currently average about $591,277. With such a hefty investment in your property already, it's critical to protect it as best you can with the right coverage. That means having a solid homeowners insurance policy that considers all your needs.
An independent insurance agent can help you get equipped with the right home insurance policy for you and your family. But first, let's take a more in-depth look at home insurance in Massachusetts.
Best Homeowners Insurance Companies in Massachusetts
Though you can find a home insurance policy from many different insurance companies in Massachusetts, we've compiled a list of our top recommendations for you. Start with these carriers when searching for the best homeowners insurance company in Massachusetts.
- Progressive: Progressive offers home insurance as well as a myriad of other products. The carrier also has a high financial strength rating, 24/7/365 customer service, and tons of discount options.
- Travelers: Travelers offers a variety of coverage options for individuals, including homeowners insurance. The carrier also has a long history of excellent financial strength and customer feedback. Additionally, Travelers offers several discounts and 24/7 claims reporting.
- PURE: PURE offers home insurance as well as many other personal coverages. The carrier has excellent financial strength and offers 24/7 claims reporting.
- Stillwater: Stillwater provides home insurance and coverage for just every type of personal property. The carrier also has excellent ratings for financial strength and overall by the Better Business Bureau (BBB) and offers 24/7 claims reporting.
- Encova: Encova offers home insurance and other personal and business coverages. The carrier offers a ton of discount options and has high ratings by AM Best and the BBB. Encova also provides 24/7 claims reporting.
An independent insurance agent can help you find the homeowners insurance coverage you're looking for from one of these trusted carriers.
What Homeowners Insurance in Massachusetts Can Cover?
You need a home insurance policy that covers all parts of your home, not just the building itself. Fortunately, a standard homeowners insurance policy in Massachusetts comes with these core protections:
- Loss of use: Covers additional costs if you have to stay at a hotel or elsewhere while your home undergoes repairs following a major covered disaster like a fire.
- Personal liability: Covers attorney, court, and other legal costs if you get sued by a third party for claims of bodily injury or personal property damage.
- Personal property: Covers personal belongings like your furniture from many disasters like theft, fire, etc.
- Dwelling: Covers the home's structure from many disasters like lightning strikes, vandalism, etc.
Some of the most common natural disasters in Massachusetts are:
- Blizzards: Home insurance in Massachusetts does cover damage from blizzards, including incidents of roof collapse under the weight of snow and ice.
- Coastal storms: Home insurance in Massachusetts covers wind damage from coastal storms, but it won't cover water damage caused by natural sources, such as heavy rainfall.
- Flooding: Home insurance in Massachusetts does not cover flood damage due to natural sources like hurricanes, tsunamis, etc.
Talk with your independent insurance agent about your concerns with your home insurance coverage and Massachusett's most common natural disasters. They can help you supplement your coverage with additional policies where necessary.
What Homeowners Insurance in Massachusetts Will Not Cover?
All home insurance policies come with a set of coverage exclusions. In Massachusetts, the following disasters and other costs are not covered by homeowners insurance:
- Damage from sewer backups
- Routine maintenance of the home
- Intentional or malicious acts against others
- Business losses
- Wear and tear damage to the home
- Natural flood damage
Flood damage in Massachusetts
Since Massachusetts is prone to flooding disasters, it's beneficial to consider adding a flood insurance policy to your coverage, especially since home insurance excludes this type of disaster. A flood insurance policy can help reimburse you for property damage caused by natural flooding events, like coastal storms.
You might also want to talk to your agent about adding sewer backup coverage to your home insurance policy. This optional add-on can help reimburse you for losses related to sewer line breaks and backups that flood the home. Besides being messy to clean up on your own, these disasters can also be extremely costly if you lack the proper coverage.
Average Cost of Homeowners Insurance in Massachusetts
Massachusetts homeowners insurance rates are, on average, quite a bit higher than the overall US average of $1,211 per year. In Massachusetts, the average annual cost of a home insurance policy is $1,488. Rates for home insurance in Massachusetts rank the 9th most expensive in the country. Higher home insurance rates in the state are due to higher property values and overall cost of living, higher crime rates, and higher risk of storm damage, among other factors.
Average Massachusetts Home Insurance Costs by City
Cities with higher property values, crime rates, and frequency of natural disasters, often have higher home insurance rates than others within the same state. In Massachusetts, residents in the city of Brookline currently pay the highest home insurance rates of the entire state on average, at $1,721 per year. The Massachusetts city with the best and cheapest homeowners insurance rates is Westfield, with average costs of just $489 per year.
How well do Massachusett's cities measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Annual insurance cost | Avg. home value | Burglaries (per 1k residents) |
| Acton | $1,161 | $620,906 | 0.5 |
| Amherst | $687 | $356,117 | 1.3 |
| Arlington | $1,388 | $603,972 | 0.3 |
| Auburn | $618 | $255,893 | 1.7 |
| Belmont | $1,294 | $785,561 | 2.9 |
| Beverly | $1,243 | $401,275 | 0.4 |
| Boston | $1,117 | $495,400 | 2.4 |
| Brookline | $1,721 | $817,203 | 0.7 |
| Burlington | $812 | $485,342 | 0.5 |
| Cambridge | $1,365 | $739,800 | 1.3 |
| Chelsea | $1,426 | $333,481 | 2.6 |
| Leominster | $1,179 | $241,149 | 1.5 |
| Lowell | $787 | $252,900 | 2.6 |
| Milton | $1,668 | $553,746 | 0.4 |
| West Springfield | $1,176 | $209,011 | 3.5 |
| Westfield | $489 | $224,688 | 1.3 |
| Weymouth | $757 | $349,481 | 0.7 |
| Worcester | $835 | $216,000 | 4.2 |
Popular Questions about Massachusetts Home Insurance
The average cost for Massachusetts home insurance is $1,488 per year, or $124 per month. Residents in Massachusetts pay a bit more than the current national average of $1,211 per year or $100.92 per month for home insurance coverage.
Home insurance in Massachusetts covers a variety of disasters, including fire, theft, vandalism, lightning strikes, falling objects, explosions, and much more. A home insurance policy provides coverage for your home's structure as well as your personal property, your personal liability, and additional living expenses if you get temporarily displaced from the home due to a major disaster.
Our research found the following disasters account for most of the home insurance claims in Massachusetts:
- Severe storms and lightning damage
- Hurricanes and tropical storms
- Heavy snow
- Flooding and water damage
- Burglary and other property crimes
Fortunately, a home insurance policy covers most of these disasters, excluding natural flood and water damage.
Homeowners insurance rates in Massachusetts are calculated by considering a number of factors like your property's value, your claims history, crime rates in your town, the kind of coverage you need, the amount of coverage you need, your area's risk of natural disasters, and more. An independent insurance agent can fill you in on all the exact factors that determine your policy's rates.
Independent insurance agents are available to help you all over the country, including in Massachusetts. An independent insurance agent in Massachusetts can help compare several different home insurance policies for you from different carriers, together in one place. They'll help you select the policy that's the right blend of coverage and cost.
Several carriers in Massachusetts offer homeowners insurance, but a few truly outshine the rest. In Massachusetts, we've found that Progressive, Travelers, PURE, Stillwater, and Encova are the best homeowners insurance companies in Massachusetts overall based on their coverage options, official ratings, customer reviews, and more.
Since there's no one-size-fits-all home insurance policy, it's best to work with a trusted expert along your coverage journey. An independent insurance agent in Massachusetts will be familiar not only with the ara, but with the best options for home insurance. Together, they'll help you find the right policy for you at the best possible rate, by comparing quotes from several different carriers together in one place. Now that's convenient.
Do you know what your home insurance covers in Massachusetts?
Average Cost of Home Insurance Near You
Average monthly cost of home insurance premium in Hanover, MA: $129
Keep in mind that Hanover home insurance rates can vary quite a bit, depending on the size of your home, the amount of coverage you are purchasing, and even your credit score. Your premium could therefore be higher or lower than the average.
Although crime rates in this city are very low, home values greatly exceed the state average. You can therefore expect to pay higher rates than most homeowners in the state. Regardless, you need coverage to protect against damage to your home that may be caused by things like hail. When summer storms come through Hanover, they sometimes deliver large hailstones that can do severe damage to your roof. If a hailstorm causes damage to your home, you can file a claim to have your insurance company cover the cost of repairs.
Average monthly cost of home insurance premium in Haverhill, MA: $105
Home insurance prices will vary depending on the age of your house, the local crime rate, and the amount of coverage you need.
Homes in Haverhill are valued a bit lower than the state average. However, the severe storms that are frequent in this area can do major damage to local homes. Lightning poses one of the most worrisome threats, often causing home fires that can quickly blaze out of control. If your house gets hit by lightning, you can file a homeowners insurance claim to have your insurance company cover the cost to rebuild or make repairs.
Average monthly cost of home insurance premium in Holyoke, MA: $95
Of course, Holyoke home insurance rates can vary significantly based on factors like the size and location of your house, the crime rate in your ZIP Code, and even your credit score.
Home values in this city are much lower than the state average. Unfortunately, the burglary rate is very high. Homeowners insurance can provide you with compensation for loss or damage to your home if you are the victim of a property crime. Be sure to contact the authorities and get a police report, as you will need it when you file your claim.
Average monthly cost of home insurance premium in Leominster, MA: $98
Your actual home insurance premium could be significantly higher or lower than the average, based on your home’s location and building materials, your neighborhood crime rates, and a few other variables.
Homes in Leominster are valued lower than average in this state, so your coverage levels may be lower too. Though the burglary rate in this city is lower than the national average, it exceeds the state average. Leominster homeowners should therefore always take precautions to prevent burglaries. Unfortunately, even with the best security measures in place, a break-in could happen to you. If your home is burglarized, you can file a claim and your home insurance will pay to compensate you for your damaged or stolen valuables.
Average monthly cost of home insurance premium in Malden, MA: $119
Your rate could be higher or lower, depending on variables like the crime rate in your neighborhood, the size of your home, and your credit score.
The average house value in this city is slightly higher than the state average. It is important to protect these valuable investments. Wind is a year-round concern for homeowners in Malden. From ice storms to tornadoes, natural disasters are common in this area, and wind can quickly damage your roof or cause falling trees. Your home insurance policy offers protection from wind-related damage and will cover the cost of any related repairs.
Average monthly cost of home insurance premium in Milton, MA: $139
Your home insurance premium could be higher or lower, depending on the crime in your area, your credit score, and your house's characteristics, like square footage and building materials.
Home values in this city are much higher than the state average, so despite the low crime rate in this city, home insurance costs are relatively high. Homeowners need to protect their investments against hazards like water damage and freezing pipes. A dripping faucet doesn't seem like a major problem until it turns into a huge home flood. If your pipes break due to freezing temperatures or faulty plumbing, the water damage can be severe. Fortunately, you are likely to be covered when you file a claim with your Milton home insurance provider.
Average monthly cost of home insurance premium in Revere, MA: $119
Home insurance rates are unique for each homeowner, so your actual cost could be higher or lower than this average. Several variables will impact how much you pay, like the size of your home, the local crime rate, and even your credit score,
Home values in Revere are slightly higher than the average in Massachusetts, and so too is the burglary rate. This can mean relatively high rates for coverage. Of course, it’s important to have coverage against risks such as fire. Whether it begins with an electrical problem or a burner you forgot to turn off, a home fire can quickly turn devastating. If you lose your home in a fire, you can rely on your homeowners insurance to cover the cost of rebuilding and replacing the valuables you lost in the blaze.
Average monthly cost of home insurance premium in Stoughton: $125
Your home insurance premium could be a little higher or a little lower than the average. It depends on several factors such as when your home was built, what your house is made of, and how much coverage you need. The average home value in this city is a little lower that the state average, and this can help keep insurance rates on par with what most people in the state are paying.
Stoughton's cold winters often bring major snowstorms and frigid temperatures. Frozen pipes can lead to serious water damage, but your homeowners insurance will cover the cost of repairs. Fortunately, burglary rates in this city are relatively low, so that lowers the risk homeowners present to insurance companies.
Average monthly cost of home insurance premium in Wakefield: $136
You could pay considerably more or a little less for your home insurance policy. Your rate will depend on several unique variables like your home's square footage and age, the crime in your area, and your claims history.
The value of the average home in Wakefield is significantly higher than the state average, so you may need a lot of coverage. While crime rates are low, Wakefield has frequent ice storms in the winter months. As the ice melts, water begins to run down the side of the home and can seep through a crack in the siding, causing damage to the frame of the house. While it's an invisible problem, water can lead to serious rot and mold over the course of time. Fortunately, this damage is covered by your home insurance plan, so you can file a claim for the cost of repair.
Average monthly cost of homeowners insurance in West Springfield, MA: $98
Rates in West Springfield vary depending on the size and age of your home, the local crime rate, and several other variables. Your actual premium could be a little more or less than the average. Houses in this area are valued lower than the state average, and this helps keep insurance costs in check.
The burglary rate in this city is in line with national averages. Home invasions are always scary, and burglaries can lead to major frustration. If you come home and find that your big-screen TV is missing, there's only a small chance that the police can track down the criminal and recover your property. Luckily, your home insurance will replace stolen valuables and pay for any property repairs related to break-ins.