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

Renters insurance can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters' 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.

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:

  • State Farm
  • Allstate
  • Liberty Mutual
  • Travelers

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 $155 and earned the highest J.D. Power score (866) among the carriers surveyed.

Apart from State Farm, you can get Massachusetts renters insurance from carriers like Travelers, Liberty Mutual and Allstate. All these companies provide the most affordable renters insurance policies and they have 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 rate
State Farm866$155
Liberty Mutual823$791

How much is renters insurance in Massachusetts

The average annual premium cost for renters insurance in Massachusetts is $425 or $35 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 may vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to costly renters insurance premiums. The most expensive zip code for renters insurance in Massachusetts is 2108, its average annual rate is $634---$209 more than the state average ($425).

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 $370 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 policy at an average of $136 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$136
Citation Insurance$339
Commerce Ins Co$397
LM Insurance$577
First Liberty$810