Renters Insurance in Boston

Bostonians pay more than the national average for renters insurance. We'll help you find the best policy for your money.

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A renters insurance policy covers your belongings, liability and loss of use. Neither Massachusetts nor Boston law require you to carry renters insurance, but it is common for proof of policy to be a part of the lease agreement.

Boston renters pay more for renters insurance than do renters in other parts of the U.S. This makes finding the best combination of cost, customer satisfaction and coverage important. We've put this guide together to help you find the mix that's right for you.

In this article

How much does renters insurance cost in Boston?

Renters insurance in Boston costs an average of $255 a year. This is 16% higher than the national average renters insurance rate of $219 a year. Travelers has the cheapest average rate of $226 a year, followed by Amica at $233.

Company Annual rate Monthly rate
Allstate $305 $25
Travelers $226 $19
Amica $233 $19

Renters insurance companies in Boston

Standard renters insurance policies tend to be similar from insurer to insurer. This narrows down choice factors to cost and customer satisfaction. We've compared renters insurance companies based on their J.D. Power overall satisfaction scores and NAIC complaint indexes in order to provide an overview of their customer confidence levels.

J.D. Power, a data analytics and consumer intelligence company, publishes an annual report that focuses on the overall satisfaction that policyholders have with their insurance providers.

The report is based primarily on policy offerings, cost and claim resolution. The higher the satisfaction ranking, the better. Allstate received the highest score of 837 of the renters insurance companies we surveyed.

The NAIC Complaint Index is based on the number of complaints an insurance company receives relative to its size. The complaint index average is 1%. The lower the index, the better. As of 2022, Amica has the lowest score of 0.1%

Company 2022 J.D. Power overall satisfaction (out of 1,000) 2021 NAIC Complaint Index
Allstate 837 0.5%
Amica - 0.1%
Travelers 801 -

Get cheap renters insurance in Boston

What does renters insurance cover?

Renters insurance provides a lot of coverage, including:

  • Repair or replacement of your belongings
  • Your liability if someone is injured in your rental home
  • Property damage you cause to others
  • Additional costs if you need to relocate while your rental is repaired

Personal property

If your belongings are damaged or destroyed by a covered peril, the personal property section of your renters insurance will pay out for their repair or replacement. Commonly covered items include:

  • Clothing
  • Furniture
  • Electronics

Expensive valuables such as art, furs or other collectibles may be covered to lower limits. Be clear about any separate limits in your policy.

The best way to make sure you have accurate coverage for your personal property is to put together a home inventory list. Take photos of your belongings, and compile an attached list complete with description, cost and any serial numbers. This will give you a good idea of the amount of personal property coverage you'll need.

Personal liability

Personal liability covers legal fees and settlement costs if you are responsible for someone getting injured in your rental unit and it goes to court. Most renters insurance policies start with a liability limit of $100,000, but it can usually be increased.

Medical payments

Medical payments coverage takes care of medical expenses if you're responsible for another person's injuries. Medical payments coverage usually has limits from $1,000 to $5,000.

Additional living expenses (ALE)

ALE takes care of extra costs that can arise if you relocate temporarily while damage to your rental unit is repaired. ALE covers:

  • Rent
  • Meals
  • Extra transportation costs
  • Storage
  • Furniture rental
  • Laundry

Renters insurance policies usually have a default ALE limit of $3,000. Keep in mind that ALE only covers extra costs, not full costs. For example, if your regular food bill is $600 a month and having to rely on restaurants during relocation increases that to $800, ALE would pay out on the extra $200.

Getting renters insurance in Boston

To find the best coverage at the best price, compare quotes from multiple renters insurance companies. Look over cost, default coverage limits and customer satisfaction scores to find your best choice.

When you've found a provider that fits your needs, go online to its website and fill out the application for a policy. It shouldn't take long. Before you buy a policy, make sure you're clear on the coverage, and definitely call an agent if you have any questions. You will also be able to choose the date you want your renters insurance coverage to start.


We compiled renters insurance quotes from the following companies in Boston:

  • Allstate
  • Amica
  • Travelers

Quotes were pulled using the following policy limits:

  • $30,000 of personal property coverage
  • Loss of use: 30%
  • $500 deductible
  • $100,000 of personal liability
  • $1,000 of medical payments to guests

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