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 inexpensive insurance for your home in Massachusetts

Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Home insurance covers your home and your items against a variety of calamities, including fire, theft, vandalism, or wind damage.

Unlike auto insurance, home insurance isn't priced based on state-level legislation. That said, serious differences emerge in homeowners insurance rates on a state-by-state basis. Home insurance rates in states may vary based on the frequency of — and value of — homeowners claims filed statewide, and depend on the value of the dwelling and belongings being insured.

The best way to find affordable homeowners insurance in Massachusetts is to view prices from as many companies as possible. Learn more about average home insurance rates in Massachusetts by reviewing the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.

Home insurance in Massachusetts:
  1. Homeowners rates by company
  2. Homeowners rates by city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Bundling discounts
  6. FAQs

Home insurance rates in Massachusetts by insurer

Prices for home insurance in Massachusetts will vary based on the insurance company you use. Citation sells the cheapest home insurance policies in Massachusetts, at just $850 each year. This compares favorably to the state's average cost of $1,203, offering a $353 discount on the state's average rate.

Start shopping for affordable homeowners coverage by reviewing the best Massachusetts insurance companies, listed below.

CompanyAverage Annual Rate in Massachusetts
Dorchester Mutual$881
Preferred Insurance$929

Massachusetts homeowners insurance by city

Homeowners insurance rates in Massachusetts differ by city. Policies are often priced on city-specific variables like the number of homeowners claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The most affordable homeowners insurance in Massachusetts is available in Waltham. The average home insurance policy in Waltham costs $982 annually — $220 less than the average Massachusetts rate. The below cities have the most affordable homeowners insurance in Massachusetts.

CityAverage 12-Month Home Insurance Rate

Average home insurance costs in Massachusetts by coverage level

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. In Massachusetts, maintaining $100K dwelling coverage costs an average of $614 per year, while carrying dwelling coverage up to $400K costs $1,468/year.

Coverage LevelAverage Annual Premium
$100,000 Dwelling$614
$200,000 Dwelling$912
$250,000 Dwelling$1,049
$400,000 Dwelling$1,468

Compare Homeowners Insurance Rates

Home insurance deductibles in Massachusetts

Massachusetts homeowners have numerous choices to make when buying a homeowners insurance policy, including the amount of their deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Choosing your deductible plays a significant role in how much you pay for your coverage.

A good rule of thumb is: the lower your deductible, the higher your premium will be. Therefore, if you are aiming for lower home insurance rates, it pays to keep your deductible higher. Bear in mind that your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

The chart below displays the typical rates associated with standard homeowners deductibles.

Deductible LevelAverage Annual Homeowners Insurance Rate

Massachusetts insurance bundling discounts: home + auto

If you're looking for savings, consider buying your home and auto policies from the same insurance company. A home and auto insurance bundle in Massachusetts can lead to substantial savings on auto insurance. Bundling policies in Massachusetts leads to average annual savings of $172.

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

One of the best ways to save on auto insurance is bundling. Get started today!

Seeking information on homeowners insurance in a specific city?

  1. Boston

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 the 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 a high risk of sustaining hurricane damage. The typical homeowners policy with a 2% hurricane deductible costs $986 per year in Massachusetts. 

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 Hurricane 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.

Compare homeowners insurance rates today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.