Homeowners Insurance in Massachusetts

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

Find cheap homeowners 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 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.


Massachusetts home insurance:
  1. Homeowners rates by company
  2. Rates by city
  3. How to bundle home and auto insurance

Home insurance rates in Massachusetts by carrier

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.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN MASSACHUSETTS
InsurerAverage 12-Month Rate in Massachusetts
Citation$850.01
Dorchester Mutual$881.45
United$906.10
Preferred Insurance$929.18
Commerce$934.19

Massachusetts homeowners insurance costs: by city

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.


AFFORDABLE HOME INSURANCE BY CITY IN MASSACHUSETTS
CityAverage Annual Home Insurance Rate
Waltham$982.47
Chicopee$994.49
Malden$995.96
Framingham$997.95
Newton$1,000.87

Home and auto insurance bundles in Massachusetts

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.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MASSACHUSETTS
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,277.00$1,105.00$172.0016%

You can save money on insurance by bundling your home and auto policies. Get started today!


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