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Shopping for homeowners insurance shouldn't be stressful. Compare Massachusetts rates by location and insurance company below.
Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A home insurance policy protects your dwelling, attached buildings, and personal property from an array of circumstances, such as fire, theft, vandalism, or wind damage.
Serious differences emerge in homeowners insurance rates on a state-by-state basis. Home insurance policy rates in a given state may differ based on the number and value of home insurance claims filed in the state, and depend on the price of the belongings and home you're insuring.
The easiest way to find a cheap home insurance policy in Massachusetts is to compare rates and consider policies from multiple companies. Learn home insurance rates in Massachusetts by reviewing the below data. Remember: your rates may differ, depending on your coverage limits.
Prices for home insurance in Massachusetts can vary based on the insurer you use. Citation provides the cheapest homeowners insurance in Massachusetts — just $850 each year. This compares favorably to the state average rate of $1,203, providing a $353 discount on the typical rates in the state.
Begin your search for a home insurance policy by reviewing the cheapest Massachusetts home insurance carriers, listed below.
|Insurer||Average 12-Month Rate in Massachusetts|
Home insurance rates in Massachusetts vary depending on the city. Prices depend on local variables such as the number of claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.
The most affordable home insurance rates in Massachusetts are available in Waltham. The average home insurance policy in Waltham costs $982 annually — $220 less than the average Massachusetts rate. Reference the below table to see the cheapest cities in Massachusetts for home insurance.
|City||Average Annual Home Insurance Rate|
If you want to save on homeowners insurance, consider holding your car and homeowners policies with the same insurance company. A home and auto insurance bundle in Massachusetts can save you a substantial sum each month on your auto insurance policy. In fact, bundling policies in Massachusetts may earn you average annual savings of $172.
|Avg. 12-Month Auto Insurance Rate (No Bundle)||Avg. 12-Month Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
You can save money on insurance by bundling your home and auto policies. Get started today!
Since hurricanes can cause such catastrophic destruction and wipe out structures altogether, insurance companies remain unwilling to assume the full risk of hurricanes as a whole. If you own a house in Massachusetts, there could be increased risk of suffering hurricane damage. In fact, 11,048 single-family residences are exceedingly vulnerable to hurricane damage in Massachusetts.*
If you reside near the coast, it's essential to check and understand your homeowners policy because a basic policy won't be sufficient to cover the expenses of repairing hurricane damage — you would need to bolster your policy with windstorm and flood insurance, which would work together to pay for the damages. Depending on your state, your insurer may require a separate deductible for hurricanes if you live in an area that's at high risk for hurricanes.
*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)
Damage via flooding, whether from a hurricane or a downpour, is not covered by home insurance. To protect your home, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer. Coverage details from private insurance companies vary.
If you purchase flood insurance through NFIP, you'll receive:
If the value of your home and personal property exceed these limits, consider finding a policy from a private company. Flood insurance is important in Massachusetts, which faced $183,108 in flood insurance claims in 2016, according to data from FEMA.