The average cost of home insurance in Massachusetts is $1,518 a year or $127 a month. That’s well below the national average of $2,777.
However, 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. Nantucket, for example, has the most expensive rates in the state, at an average of $2,485 a year.
The cheapest and best home insurance company in Massachusetts, based on our analysis, is State Farm.
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.
Key takeaways
- The average home insurance cost in Massachusetts is $1,518 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 the best-rated insurer.
- How much is home insurance in Massachusetts?
- Best homeowners insurance companies in Massachusetts
- Cheapest home insurance companies in Massachusetts
- Massachusetts homeowners insurance rates by ZIP code
- Home insurance cost in Massachusetts’ largest cities
- Frequently asked questions: Massachusetts home insurance
- Methodology
How much is home insurance in Massachusetts?
The average home insurance rate in Massachusetts is $1,518 a year. That's 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.
Best homeowners insurance companies in Massachusetts
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. State Farm is the best home insurance company in Massachusetts based on these criteria.
| Company | AM Best | Average annual rate | NAIC Complaint Ratio | Insurance.com score |
|---|---|---|---|---|
| State Farm | A++ | $ 705 | 1.07 | 4.65 |
| USAA | A++ | $ 1,695 | 0.41 | 4.04 |
| Arbella Insurance | A | $ 1,480 | 0.06 | 4.03 |
| Andover Insurance | A | $ 1,480 | 0.1 | 4.02 |
| Mapfre Insurance | A | $ 1,492 | 0.21 | 3.97 |
| Travelers | A++ | $ 1,720 | 0.6 | 3.95 |
| Vermont Mutual | A | $ 1,397 | 0.51 | 3.95 |
| Safety Insurance | A | $ 1,835 | 0 | 3.75 |
| Amica | A+ | $ 2,033 | 0.26 | 3.65 |
| Allstate | A+ | $ 2,377 | 2.04 | 2.78 |
Cheapest home insurance companies in Massachusetts
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’ll see State Farm has the most affordable rates in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| State Farm | $574 | $705 | $852 | $1,025 | $1,189 |
| Heritage Insurance Holdings | $1,060 | $1,437 | $1,860 | $2,280 | $2,709 |
| Vermont Mutual | $1,101 | $1,397 | $1,722 | $2,060 | $2,392 |
| Andover Insurance | $1,120 | $1,480 | $1,995 | $2,533 | $3,115 |
| Mapfre Insurance | $1,162 | $1,492 | $1,836 | $2,166 | $2,510 |
| Arbella Insurance | $1,163 | $1,480 | $1,787 | $2,114 | $2,469 |
| USAA | $1,326 | $1,695 | $2,039 | $2,379 | $2,701 |
| Travelers | $1,455 | $1,720 | $2,009 | $2,370 | $2,772 |
| Amica Mutual | $1,524 | $2,033 | $2,443 | $2,858 | $3,281 |
| Safety Insurance | $1,568 | $1,835 | $2,244 | $2,747 | $3,311 |
| Allstate | $2,067 | $2,377 | $2,708 | $3,021 | $3,363 |
Massachusetts homeowners insurance rates by ZIP code
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.
The most expensive ZIP codes in Massachusetts for home insurance
The most expensive ZIP codes in Massachusetts are in these cities:
| ZIP code | City name | Average annual rates |
|---|---|---|
| 02554 | Nantucket | $2,485 |
| 02564 | Siasconset | $2,336 |
| 02535 | Chilmark | $2,214 |
| 02657 | Provincetown | $2,191 |
| 02663 | South Wellfleet | $2,187 |
| 02552 | Menemsha | $2,172 |
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
| ZIP code | City name | Average annual rates |
|---|---|---|
| 01351 | Montague | $929 |
| 01354 | Gill | $927 |
| 01367 | Rowe | $927 |
| 01376 | Turners Falls | $927 |
| 01267 | Williamstown | $924 |
| 01342 | 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: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
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
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. Rates do not include hurricane deductibles; coverage is additional in some areas. Content is updated for 2023.
