Boston Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Boston


Home insurance is a hugely important part of owning a home. Fire, vandalism, theft, and wind damage are just a few of the perils for which homeowners coverage can protect your dwelling and personal property. Events like this occur regularly. When paired with the high cost of repairing or rebuilding a house, investing in a robust homeowners policy can seem like a smart idea.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more info about what a home insurance policy covers.

Finding cheap home insurance in Boston starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance premiums in Boston to begin your home insurance search with as much information as you can. One thing to note is that the yearly cost of home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Boston, Massachusetts, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Boston by insurance company

Boston homeowners insurance rates will vary depending on which insurance company you choose. MAPFRE offers the most affordable home insurance in Boston, at just $880 per year. This compares favorably to the city’s average homeowners premium of $1,365.

Below you'll find a list of the cheapest home insurance companies in Boston, Massachusetts to help you start your search.


CHEAP HOME INSURANCE COMPANIES IN BOSTON
CompanyAverage Annual Rate
MAPFRE$880
Safety$923
Vermont$1,105
Metropolitan$1,109
Arbella$1,129

Average homeowners insurance costs in Boston by coverage level

The amount of home coverage you select has an impact on the insurance premiums you pay. Homeowners in Boston who carry $200K in dwelling coverage pay an average of $1,006 per year, while those with coverage up to $400K pay around $1,617 per year.


HOMEOWNERS INSURANCE RATES IN BOSTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,006
$400K Dwelling$1,617

Speak with a homeowners insurance expert

Boston home insurance prices by ZIP code

Not every area of Boston has equal home insurance costs. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can dramatically affect your home insurance rates.

If you're looking for the cheapest home insurance rates in Boston, take at look at the 2133 ZIP code. In the 2133 area, homeowners policies typically cost just $1,241 per year — a full $123 less than the Boston average. The below table shows the best places to live in Boston if you’re looking for affordable homeowners insurance.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN BOSTON
ZIP CodeAverage Annual Home Insurance Rate
2133$1,241
2163$1,249
2215$1,251

On the other hand, some areas of Boston face higher homeowners insurance costs, on average. These areas of the city could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $1,604 makes 2127 the most expensive ZIP code in Boston for homeowners insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN BOSTON
ZIP CodeAverage Annual Home Insurance Rate
2127$1,604
2118$1,558
2210$1,537

Money-saving tip: bundle home and auto insurance in Boston

If saving money is something you're concerned with, it might be worth insuring your home and auto through the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Boston leads to average annual savings of 16%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN BOSTON
CompanyAvg. Annual Auto Insurance Rate (Bundle)
Plymouth Rock$905
GEICO$951
Safety$1,064
MAPFRE$1,124
Amica$1,329

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance professional today.


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