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The average cost of home insurance in Massachusetts is $1,603 a year or $134 a month. That’s below the national average of $2,777.  The cost of home insurance varies by company, location, and factors related to the home itself.  Coastal homes can expect higher rates due to the risk of hurricane damage.

Below we'll cover the basics of home insurance in Massachusetts and compare home insurance quotes in 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 $1,603 a year, 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.
  • State Farm has the cheapest home insurance rates in Massachusetts and is also one of the best-rated insurers.

Average home insurance cost in Massachusetts

The average home insurance rate in Massachusetts is $1,603 a year. That's for a policy with $300,000 in dwelling coverage and liability and a $1,000 deductible, based on's 2022 data. Your coverage needs will be individual to you and your home.

There are three basic components to home insurance that you will have to choose levels for:

  • Dwelling coverage (replacement cost of your home)
  • Liability
  • Medical payments

Some coverage on the policy is set as a percentage of your dwelling coverage:

  • 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, but none are more important than the dwelling coverage.

Massachusetts homeowners insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We fielded home insurance rates by ZIP code in Massachusetts to see which areas are the most and least expensive.

The most expensive ZIP codes in Massachusetts for home insurance

The most expensive ZIP codes in Massachusetts are in these cities:

Most expensive ZIP codes in Massachusetts
ZIP codeCity nameAverage annual rates
02663South Wellfleet$2,187

All of these are located on the coast, putting them at higher risk of storm damage.

The least expensive ZIP codes in Massachusetts for home insurance

The least expensive home insurance rates are in communities well off the coastline. The cheapest cities for home insurance in Massachusetts are

Cheapest ZIP codes in Massachusetts
ZIP codeCity nameAverage annual rates
01376Turners Falls$927

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.


Average home insurance rates in CALIFORNIA

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



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

What is the cheapest Massachusetts home insurance company?

Below are Massachusetts home insurance rates by company for six different levels of coverage. Based on our rate analysis, you’ll see State Farm has the most affordable rates in every category by a wide margin.

$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
Amica $1,507
Safety Insurance$1,552
$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
Amica $1,524
Safety Insurance$1,568
$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
Safety Insurance$2,244
Amica $2,443
$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
Andover Insurance$2,533
Safety Insurance$2,747
Amica $2,858
$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
Heritage Insurance Holdings$2,709
Andover Insurance$3,115
Amica $3,281
Safety Insurance$3,311

Best homeowners insurance in Massachusetts

Not only do insurance companies’ rates differ, but companies also differ when it comes to customer service and claims satisfaction.

Choosing the best home insurance company in Massachusetts 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 home insurance.

Here are how major home insurance companies that do business in Massachusetts and the Northeast rank overall for claims handling, customer service, value and renewal recommendation, based on a recent 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 Farm4.5

Frequently asked questions: Massachusetts home insurance

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 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. Rates do not include hurricane deductibles; coverage is additional in some areas. Content is updated for 2023.

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