How much is home insurance in Massachusetts?
The average home insurance rate in Massachusetts is $2,112 a year. This rate is based on a policy with:
- $300,000 in dwelling coverage
- $300,000 in liability
- A $1,000 deductible
- A 2% hurricane deductible
Your coverage needs will be individual to you and your home, and your policy may cost more or less.
What are the best home insurance companies in Massachusetts?
Andover Insurance is our top-rated home insurance company for Massachusetts homeowners, followed by Vermont Mutual.
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.
We’ve ranked the best home insurance companies in Massachusetts based on average rates, AM Best score and NAIC complaint score, which are used to create our Insurance.com score out of five.
What are the cheapest home insurance companies in Massachusetts?
Heritage Insurance Holdings has the most affordable rates in every category by a wide margin, ranging from $689 per year for $200,000 in coverage to $2,429 per year for $1,000,000. The next closest competitor, Andover Insurance, is significantly more expensive.
Below are Massachusetts home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you may be able to save even more with a Massachusetts home and auto insurance bundle.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $2,771 | $3,504 | $4,147 | $5,517 | $7,809 |
| Amica | $1,993 | $2,715 | $3,131 | $3,999 | $5,204 |
| Andover Insurance | $1,090 | $1,470 | $2,016 | $3,202 | $3,788 |
| Arbella Insurance | $1,173 | $1,543 | $1,846 | $2,502 | $3,609 |
| Heritage Insurance Holdings | $689 | $978 | $1,300 | $1,934 | $2,429 |
| Mapfre Insurance | $2,655 | $3,585 | $4,461 | $6,198 | $8,755 |
| Safety Insurance | $1,694 | $1,941 | $2,362 | $3,454 | $5,997 |
| State Farm | $1,655 | $2,048 | $2,424 | $3,066 | $3,865 |
| Travelers | $4,430 | $5,745 | $7,018 | $9,025 | $15,521 |
| Vermont Mutual | $1,373 | $1,775 | $2,217 | $3,127 | $4,339 |
| USAA | $868 | $1,077 | $1,275 | $1,657 | $2,268 |
Massachusetts homeowners insurance rates by ZIP code: Estimate your rate
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Massachusetts to see which areas are the most and least expensive.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
Massachusetts homeowners insurance rates by county
At $1,774 a year, Berkshire is the cheapest county in Massachusetts for home insurance. Dukes is the most expensive county at an average of $2,820.
Home insurance rates in Massachusetts vary by county. Take a look at the average rates by county in Massachusetts below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Barnstable | $2,742 | $228 |
| Berkshire | $1,774 | $148 |
| Bristol | $2,301 | $192 |
| Dukes | $2,820 | $235 |
| Essex | $2,134 | $178 |
| Franklin | $1,792 | $149 |
| Hampden | $1,946 | $162 |
| Hampshire | $1,819 | $152 |
| Middlesex | $1,980 | $165 |
| Nantucket | $2,792 | $233 |
| Norfolk | $2,041 | $170 |
| Plymouth | $2,362 | $197 |
| Suffolk | $2,273 | $189 |
| Worcester | $1,967 | $164 |
The Massachusetts Division of Insurance says...
As insurers have become more aware of the potential costs of windstorm losses in certain parts of Massachusetts, many insurance companies have implemented mandatory wind loss deductibles. These deductibles are either offered as fixed dollar amounts or a percentage based on the amount of dwelling coverage and a home's proximity to the coastline.
- The Massachusetts Division of InsuranceThe most expensive ZIP codes in Massachusetts for home insurance
Massachusetts homeowners insurance rates are the most expensive for ZIP code 72377, with an average annual cost of $4,407.
The most expensive ZIP codes in Massachusetts are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| West Tisbury | 2575 | $3,071 |
| Oak Bluffs | 2557 | $3,015 |
| Siasconset | 2564 | $2,938 |
| West Chop | 2573 | $2,921 |
| South Yarmouth | 2664 | $2,862 |
| East Orleans | 2643 | $2,859 |
| Eastham | 2642 | $2,859 |
| South Wellfleet | 2663 | $2,858 |
| Cuttyhunk | 2713 | $2,858 |
| West Dennis | 2670 | $2,854 |
The least expensive ZIP codes in Massachusetts for home insurance
The cheapest ZIP codes for home insurance in Massachusetts are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Housatonic | 1236 | $1,727 |
| Windsor | 1270 | $1,732 |
| Williamstown | 1267 | $1,740 |
| Lenox Dale | 1242 | $1,740 |
| Berkshire | 1224 | $1,741 |
| Lenox | 1240 | $1,746 |
| Lanesboro | 1237 | $1,747 |
| Wendell | 1379 | $1,748 |
| Dalton | 1226 | $1,748 |
| Cheshire | 1225 | $1,750 |
Massachusetts home insurance rates for the largest cities
Here are average homeowners insurance costs for some of Massachusetts’ largest cities:
- Boston - $1,667
- Cambridge - $1,529
- Lowell - $1,600
- Springfield - $1,635
- Worcester - $1,617
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.
City Annual insurance premium
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.
Methodology
Insurance.com analyzed rates for all Massachusetts ZIP codes, fielded by Quadrant Data Services. 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 2026.
FAQ: Massachusetts home insurance
Do I need flood insurance in Massachusetts?
A standard homeowners insurance policy does not cover flood damage. 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.
Does Massachusetts have 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 a hurricane causes damage. 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. In a recent survey of homeowners, 25% of Massachusetts homeowners said their options for home insurance have decreased. 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. They are 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
Compare Massachusetts homeowners insurance rates with other states
