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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.

KEY TAKEAWAYS
  • 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:

Expensive Home Insurance Rates in Massachusetts
ZIP codeCity nameAverage annual rates
2554Nantucket$2,485
2564Siasconset$2,336
2535Chilmark$2,214
2657Provincetown$2,191
2663South Wellfleet$2,187
2552Menemsha$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

Cheapest Homeowners Insurance Cities in MA
ZIP codeCity nameAverage annual rates
1351Montague$929
1354Gill$927
1367Rowe$927
1376Turners Falls$927
1267Williamstown$924
1342Deerfield$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

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $669

HIGHEST RATE: $1,029 LOWEST RATE: $443

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92561Mountain Center$1,031
90210Beverly Hills$1,029
90069Los Angeles$1,020
90046Los Angeles$1,011

Least Expensive

Zip CodeCityLowest Rate
93445Oceano$606
93117Goleta$607
93111Goleta$610
93433Grover 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 liabilityAverage 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 liabilityAverage 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 liabilityAverage 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 liabilityAverage 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 liabilityAverage 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.

CompanyOverall score
State Farm4.52
USAA4.51
Travelers4
Allstate3.8

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.

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