Homeowners Insurance in Massachusetts

Shopping for homeowners insurance shouldn't be stressful. Compare Massachusetts rates by location and insurance company below.

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How to get cheap home insurance in Massachusetts

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 covers your dwelling, personal property, and other buildings in the event of a variety of calamities, including wind damage, fire, theft, vandalism, and others.

Unlike auto insurance, homeowners policies aren’t priced based on state laws. Even so, major gaps exist in homeowners insurance costs from state to state. Home insurance costs in a given state may differ based on the value of — and frequency of — homeowners policy claims made across the state, and depend on the price of the belongings and home you're insuring.

The best way to find a cheap homeowners insurance policy in Massachusetts is to compare rates from a variety of insurance companies. Learn more about homeowners insurance costs in Massachusetts by referencing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Massachusetts homeowners insurance:
  1. By insurance company
  2. By city
  3. Home-and-auto bundling discounts
  4. FAQs


Homeowners insurance rates in Massachusetts by insurance company

Prices for home insurance in Massachusetts vary depending on the insurance company you select. Citation sells the cheapest home insurance policies in Massachusetts — only $850 annually. This beats the state average cost of $1,203, providing a $353 discount on average statewide home insurance costs.

Start shopping for a home insurance policy by reviewing the best Massachusetts insurance companies, listed below.


CompanyAverage Annual Rate in Massachusetts
Dorchester Mutual$881.45
Preferred Insurance$929.18


Massachusetts home insurance costs by city

Not every city in Massachusetts has equal home insurance costs. Home insurance prices can vary based on city-specific variables, such as the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance rates in Massachusetts are in Waltham. An average homeowners insurance policy in Waltham costs just $982 per year — $220 less than the state average. The below cities have the most affordable homeowners insurance in Massachusetts.


CityAverage Yearly Home Insurance Rate


Home and auto insurance bundles in Massachusetts

If you want to save on homeowners insurance, consider holding your home and auto policies with the same insurance company. Bundling auto and homeowners insurance in Massachusetts can lead to substantial savings on your auto insurance policy. Purchasing bundled policies in Massachusetts leads to a yearly savings of $172.


Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %



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Massachusetts homeowners insurance FAQs

Is homeowners insurance mandatory in Massachusetts?

State law does not require homeowners insurance in Massachusetts, but you'll need it to satisfy requirements set by your lender.

Are ice dams covered by homeowners insurance in Massachusetts?

Ice dam removal won't be covered, but the dwelling coverage portion of homeowners insurance may pay for water damage if it was caused by an ice dam.

Can homeowners insurance increase in Massachusetts after one claim?

Yes, an increase in your homeowners insurance premium can be expected if you file a claim — even if the damage is caused by a covered loss. By how much you can expect it to increase depends on a few variables: your location, the cause of the claim, your claims history, and how much the claims payout cost the insurance company.


Homeowners insurance and hurricanes in Massachusetts

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.

While “hurricane insurance” doesn’t actually exist as a standalone product, most homeowners insurance policies will typically cover perils associated with such storms. However, it is quite common for insurers to impose special deductibles known as "windstorm" or "hurricane" deductibles in areas at risk of such storms. Only triggered in certain conditions, these specialized deductibles work differently than the deductible for a standard peril. For a start, they are oftentimes more expensive, based on a percentage of your home's overall value. It's important to note, however, that flooding is almost never covered through a standard home insurance policy. The National Flood Insurance Program can provide this coverage in most cases.

Relatively affordable options for Massachusetts hurricane coverage can be found below. Please note that these rates are merely estimates. You can reach out to the following companies to find more accurate rates for your property.


Insurance CompanyAverage Yearly Earthquake Insurance Rate
Dorchester Mutual$749

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes


Does home insurance cover flood damage in Massachusetts?

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:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

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.