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When you rent a house or apartment, your property owner typically has insurance to cover the exterior of the building. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renter's insurance for those claims.

Renters insurance coverage can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renter's insurance companies in Massachusetts, but not all of them are worth your time. We’ve compared the best renters insurance companies based on their average premium cost and customer service rating to make your job easier.

Key takeaways

  • Massachusetts residents pay an average of $20 monthly for standard renters insurance policy.
  • With a J.D.Power score of 836 out of 1,000, State Farm is the best renters insurance company based on the research. The average rate of the policy is $115 per year.
  • The average annual rate of the most expensive ZIP code in Massachusetts is $121 more than the state average for a renters insurance policy.
  • At $115 per year, State Farm offers the cheapest renters insurance in Massachusetts.

Best renters insurance companies in Massachusetts

When it comes to choosing the best renters insurance company in Massachusetts, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Massachusetts. Below is the list of best renters insurance companies in Massachusetts:

CompanyAverage rating(out of 5)
State Farm5

Compare best renters insurance companies in Massachusetts

State Farm is our top pick for the best renters insurance company in Massachusetts. Its average rate for Massachusetts residents is $115 and earned the highest J.D. Power score (836) among the carriers surveyed.

Apart from State Farm, you can get Massachusetts renters insurance from carriers like Allstate, Travelers. All these companies provide cheap insurance rates and they have also earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Massachusetts. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance company for your rented home or apartment.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm836$115A++

How much is renters insurance in Massachusetts

The average annual premium cost for renters insurance in Massachusetts is $234 or $20 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $40,000 of personal property coverage, with a $1,000 deductible, based on a rate analysis by

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy.

Average Annual PremiumAverage Monthly Premium

10 Most expensive zip codes in Massachusetts for renters insurance

The cost of renters insurance in Massachusetts can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to higher renters insurance premiums. The most expensive zip code for renters insurance in Massachusetts is 2203, its average annual rate is $355--- $121 more than the state average ($234).

Below is a list of the 10 most expensive zip codes in Massachusetts for renters insurance.

ZIP codeAverage Annual Rate

10 Least expensive zip codes in Massachusetts for renters insurance

We have gathered quotes from major insurance carriers across all the zip codes and found that the least expensive zip code for renters insurance is 1515, its average rate is $194 annually.

Here are the least expensive zip codes for renters insurance in Massachusetts.

ZIP codeAverage Annual Rate

Cheap renters insurance in Massachusetts by carrier

State Farm is the cheapest renters insurance company in Massachusetts that provides renters insurance policies at an average of $115 a year, based on's rate analysis.

There are many carriers in Massachusetts that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing rates. The table below shows some of the cheapest renters insurance providers in the state.

Company NameAverage Annual Premium
State Farm$115
Vermont Mutual$160
Andover Insurance$198
Amica Mutual$207
Arbella Insurance$236
Safety Insurance$252
Heritage Insurance Holdings$289
Mapfre Insurance$347

Methodology compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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