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
- Massachusetts homeowners insurance rates by ZIP code
- Home insurance cost in Massachusetts’ largest cities
- What is the cheapest Massachusetts home insurance company?
- Best homeowners insurance in Massachusetts
- Frequently asked questions: Massachusetts home insurance
- Methodology
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 Insurance.com'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:
| 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 |
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 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 | $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 | $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 | $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 | $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 | $3,281 |
| Safety Insurance | $3,311 |
| Allstate | $3,363 |
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 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 | 4.5 |
| USAA | 4.5 |
| Travelers | 4 |
| Allstate | 3.8 |
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.
