The average home insurance cost in Massachusetts is $1,259 a year, based on Insurance.com’s 2022 rate comparison. That’s below the national average of $2,779. But costs vary by company, location, and the specifics of your home. You’ll need to look at rates specific to your house to find the best deal
On this page, we'll take you through the basics of home insurance in Massachusetts and show you home insurance quotes for Massachusetts by coverage level, ZIP code, and by company. We’ll also help you choose the best insurance company for your home and needs.
- The average home insurance cost in Massachusetts is $1,259 a year based on Insurance.com’s 2022 rate comparison, but costs vary by company, location, and the specifics of your home.
- Massachusetts is at risk for many types of flooding, so you may need to buy a separate flood insurance policy.
- If you can’t find homeowners insurance in Massachusetts on the open market, the Massachusetts Property Insurance Underwriting Association can help.
Average home insurance cost in Massachusetts
The average home insurance rate is $1,259 a year in Massachusetts for a policy with $200,000 in dwelling coverage, a $1,000 deductible, and $100,000 of liability coverage. That's below the national average.
There are three basic components to home insurance that you will have to choose levels for. These are:
- Dwelling coverage
- Liability
- Medical payments
Some coverage on the policy is set as a percentage of your dwelling coverage. These are the average percentages:
- Other structures: 10%
- Personal property: 50-70%
- Loss of use: 20%
All of these coverages will have an impact on what you pay for home insurance.
Massachusetts homeowners insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located.
The most expensive home insurance rates in Massachusetts
The most expensive ZIP codes in Massachusetts are in these cities:
| ZIP code | City name | Average annual rates |
|---|---|---|
| 2554 | Nantucket | $2,485 |
| 2564 | Siasconset | $2,336 |
| 2535 | Chilmark | $2,214 |
| 2657 | Provincetown | $2,191 |
| 2663 | South Wellfleet | $2,187 |
| 2552 | Menemsha | $2,172 |
All of these are located on the coast, putting them at higher risk of storm damage.
The least expensive home insurance rates in Massachusetts
The least expensive home insurance rates are in communities well off the coastline. The cheapest cities for home insurance in Massachusetts are
| ZIP code | City name | Average annual rates |
|---|---|---|
| 1351 | Montague | $929 |
| 1354 | Gill | $927 |
| 1367 | Rowe | $927 |
| 1376 | Turners Falls | $927 |
| 1267 | Williamstown | $924 |
| 1342 | Deerfield | $922 |
All of those towns are located further inland and face a lower risk of major storms.
Home insurance cost in Massachusetts’ largest cities
Here are average homeowners insurance costs for some of Massachusetts’ largest cities:
- Boston - $1,352
- Cambridge - $1,115
- Lowell - $1,128
- Springfield - $1,284
- Worcester - $1,244
Those are the most and least expensive communities and the average cost for some of the state’s largest cities, but you probably want to check out your area and compare your ZIP code to neighboring towns.
The Massachusetts home insurance calculator below will provide you with rates in your ZIP code for the dwelling coverage, liability level, and deductible of your choice.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $669
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92561 | Mountain Center | $1,031 |
| 90210 | Beverly Hills | $1,029 |
| 90069 | Los Angeles | $1,020 |
| 90046 | Los Angeles | $1,011 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 93445 | Oceano | $606 |
| 93117 | Goleta | $607 |
| 93111 | Goleta | $610 |
| 93433 | Grover Beach | $615 |
What company has the cheapest Massachusetts home insurance?
Below are Massachusetts home insurance rates by company for six different levels of coverage. Based on our 2022 rate analysis, you’ll see State Farm has the most affordable rates in every category.
| $200,000 dwelling/$1,000 deductible/$100,000 liability | Average annual rates |
|---|---|
| State Farm | $557 |
| Heritage Insurance Holdings | $1,023 |
| Vermont Mutual | $1,088 |
| Andover Insurance | $1,101 |
| Arbella Insurance | $1,132 |
| Mapfre Insurance | $1,142 |
| USAA | $1,326 |
| Travelers | $1,450 |
| Amica Mutual | $1,507 |
| Safety Insurance | $1,552 |
| Allstate | $2,022 |
| $200,000 dwelling/$1,000 deductible/$300,000 liability | Average annual rates |
|---|---|
| State Farm | $574 |
| Heritage Insurance Holdings | $1,060 |
| Vermont Mutual | $1,101 |
| Andover Insurance | $1,120 |
| Mapfre Insurance | $1,162 |
| Arbella Insurance | $1,163 |
| USAA | $1,326 |
| Travelers | $1,455 |
| Amica Mutual | $1,524 |
| Safety Insurance | $1,568 |
| Allstate | $2,067 |
| $400,000 dwelling/$1,000 deductible/$300,000 liability | Average annual rates |
|---|---|
| State Farm | $852 |
| Vermont Mutual | $1,722 |
| Arbella Insurance | $1,787 |
| Mapfre Insurance | $1,836 |
| Heritage Insurance Holdings | $1,860 |
| Andover Insurance | $1,995 |
| Travelers | $2,009 |
| USAA | $2,039 |
| Safety Insurance | $2,244 |
| Amica Mutual | $2,443 |
| Allstate | $2,708 |
| $500,000 dwelling/$1,000 deductible/$300,000 liability | Average annual rates |
|---|---|
| State Farm | $1,025 |
| Vermont Mutual | $2,060 |
| Arbella Insurance | $2,114 |
| Mapfre Insurance | $2,166 |
| Heritage Insurance Holdings | $2,280 |
| Travelers | $2,370 |
| USAA | $2,379 |
| Andover Insurance | $2,533 |
| Safety Insurance | $2,747 |
| Amica Mutual | $2,858 |
| Allstate | $3,021 |
| $600,000 dwelling/$1,000 deductible/$300,000 liability | Average annual rates |
|---|---|
| State Farm | $1,189 |
| Vermont Mutual | $2,392 |
| Arbella Insurance | $2,469 |
| Mapfre Insurance | $2,510 |
| USAA | $2,701 |
| Heritage Insurance Holdings | $2,709 |
| Travelers | $2,772 |
| Andover Insurance | $3,115 |
| Amica Mutual | $3,281 |
| Safety Insurance | $3,311 |
| Allstate | $3,363 |
Best homeowners insurance in Massachusetts
Much like any major purchase, it's wise to shop around when buying home insurance. Insurance companies’ rates differ, and companies also differ when it comes to customer service and claims satisfaction.
Choosing the best home insurance company requires a little research, The Massachusetts Consumer Affairs and Business Regulation tracks insurance company complaints. You can also take a look at J.D. Power’s best and worst companies for claims.
Here are how major home insurance companies specific to Massachusetts and the Northeast rank overall for claims handling, customer service, value and renewal recommendation, based on a 2022 Insurance.com analysis of ratings from J.D. Power, the NAIC, and A.M. Best as well as average rates and discount information. Scores are out of 5.
| Company | Overall score |
|---|---|
| State Farm | 4.52 |
| USAA | 4.51 |
| Travelers | 4 |
| Allstate | 3.8 |
Frequently asked questions
Do I need flood insurance in Massachusetts?
Flood damage is not covered by a standard homeowners insurance policy. You will need to buy a flood insurance policy to be covered. For most homeowners, flood insurance is optional, but if you live in a flood hazard zone, your mortgage company may require it.
You can get flood insurance coverage through the National Flood Insurance Program (NFIP) or through a home insurance company that works with the NFIP.
What are hurricane and windstorm deductibles?
If the wind damage is caused by a storm not classified as a hurricane, you may pay a windstorm/hail deductible instead of your usual deductible. The windstorm deductible is usually between 1% and 5% of the repair cost, depending on the home's risk.
Homes along the coast may also have a hurricane deductible. This kicks in when damage is caused by a hurricane. Massachusetts is one of 19 states with this deductible. Hurricane deductibles are also a percentage of the cost of repairs, usually between 1% and 5%.
What should I do if I can’t get homeowners insurance in Massachusetts?
Homes that are a higher risk might be difficult to insure on the open market. If you have been turned down for home insurance, there’s an alternative.
The Massachusetts Property Insurance Underwriting Association provides the FAIR Plan for properties where homeowners aren't able to find coverage elsewhere.
FAIR plans are the last resort for home insurance. similar to other home insurance policies, but are geared for properties considered risky by private home insurance companies.
How do I file a complaint against a Massachusetts insurance company?
The State of Massachusetts urges you to try to resolve any issues with your insurer. If that fails, you can notify the Massachusetts Division of Insurance's Consumer Service Unit at 617-521-7794 or 877-563-4467. Or, go to the Division of Insurance website where you can fill out a complaint form.
You can also file a complaint by mail:
Division of Insurance
Consumer Services Unit
1000 Washington Street,
Suite 810 Boston, MA 02118-6200
Methodology
Insurance.com analyzed rates for all Massachusetts ZIP codes, fielded by Quadrant Data Services in 2022. Rates were fielded for $200,000 to $600,000 in dwelling coverage with a $1,000 deductible and liability limits of $100,000 and $300,000.
