Best Homeowners Insurance In Massachusetts

On average, your neighbors pay $107 a month.

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Compare Home Insurance In Massachusetts

Massachusetts has an average homeowners insurance rate that is 30% cheaper than the national average.

To help you pick the right insurer for you, we studied the home insurance marketplace in Massachusetts and picked the best companies. Our research found that Vermont Mutual has the cheapest home insurance rate in Massachusetts, while Travelers offers some of the best policies.

Average homeowners insurance rates in Massachusetts

The average home insurance policy in Massachusetts costs $107 a month, or $1,281 a year. That's less than the national average of $1,735 by about $450.

  Average premium

Massachusetts annual average


Massachusetts monthly average


U.S. annual average


U.S. monthly average


Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

You can customize your policy to better fit your needs by choosing your deductible amount. The deductible amount you choose affects your insurance premium. Typically, the higher your deductible, the lower your premium, and vice versa.

Deductible amount Average annual premium









Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance companies in Massachusetts

Annual premiums vary between companies, which is why comparing them is important. Here is how the largest players in Massachusetts stack up.


Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best overall: Travelers

Travelers tops our list of the best homeowners insurance companies in Massachusetts for performing above average when it comes to price and coverages. Travelers has the second-lowest average annual premium in the state, $1,129.

Besides the standard coverages, Travelers' customers can purchase many add-ons, which can further protect your home. Travelers had a NAIC Complaint Index of 0.94 in 2020, which means that it received fewer complaints than what's expected in the market.

Cheapest rates: Vermont Mutual

Vermont Mutual offers the cheapest home insurance rates in Massachusetts, at a reasonable $958 a year. That's $323 less than the statewide average.

In addition to having some of the cheapest rates around, Vermont Mutual caters to local markets, as it provides coverage throughout the northeast.

Best customer service: Amica Mutual

Of the 10 largest home insurance companies in Massachusetts, Amica Mutual provides the best customer experience, according to our study. We rated customer experience based on the NAIC Complaint Index, which measures how many complaints a home insurance company receives relative to its size. Amica came in with 0.51, which means they received almost half as many complaints than what's expected in the market.

The J.D. Power 2020 U.S. Home Insurance Study agrees. Amica earned the third spot, with 853 out of 1,000 for overall customer satisfaction.

We found that Amica's rates are higher than the state average by about $122 a year. So, while you'll get a lot for your money, expect to pay a little more than with some of the other companies on our list.

Best for service members, veterans and their families: USAA

USAA provides home insurance to current and former military members and their families. It offers great home insurance coverages and customer service. USAA includes standard coverages that are usually not included in competitors' policies. For example, USAA covers military uniforms if they are damaged.

USAA has excellent customer service ratings. In J.D. Power's 2020 U.S. Home Insurance Study, USAA had the highest overall customer satisfaction score of 889 out of 1,000. USAA also provides many discounts. You can save 10% on your home insurance if you bundle auto and home insurance with USAA. You can also save 10% if you have no claims for five or more years.

Cost of homeowners insurance in Massachusetts by city

Boston, which is the most populous city in Massachusetts, has an average annual premium slightly higher than the state average of $1,281. Springfield, which is the third-most populous city in the state, has one of the cheapest average annual premiums. Here's how the home insurance prices of some of Massachusetts' largest cities break down.

City Average annual premium













New Bedford






Fall River


Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cost of homeowners insurance in Massachusetts by county

Home insurance premiums tend to be more expensive in the eastern counties of Massachusetts, which is largely because coastal areas have more wind and storm exposure than inland areas.

County Average annual premium





















Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Home insurance perils in Massachusetts

Massachusetts homeowners have severe insurance perils to think about, such as winter weather and storms.

Winter weather

Massachusetts experiences cold weather in the winter, which can lead to pipes freezing. Luckily, your home insurance should cover water damage if your plumbing freezes and bursts. According to Mass Live, Fitchburg city has the highest average annual snowfall of 82.2 inches.

The weight of snow accumulation on your roof can lead to increased strain on your home. Home insurance policies tend to cover collapse due to snow accumulation, but we recommend trying to keep your roof clear to lower the chance of damage.


Standard homeowners insurance policies cover windstorms, which means damage from high winds, cyclones, tornadoes and hurricanes. Although Massachusetts doesn't often experience these storms outside of the coastal areas, it is still an important coverage to have.

Flood insurance

Flooding is not covered by standard homeowners insurance, so for coverage, your options are a policy through the government-funded National Flood Insurance Program (NFIP) or through a private insurance company.

The average cost of flood insurance in Massachusetts is $1,293 through the NFIP, which is $335 higher compared to the national average cost of flood insurance. Massachusetts residents can choose to purchase private flood insurance. Private companies often have more accurate risk maps, which reduces premiums for people in low-risk areas.

Massachusetts saw the 15th-highest number of claims through the NFIP as of March 2021. Even if you don't live near the coast, you should still consider flood coverage.


We collected quotes from every ZIP code in Massachusetts for a standard HO-3 homeowners insurance policy. We used the following coverages:

  • $275,000 dwelling
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

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