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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to find affordable homeowners insurance in Boston


Home insurance is a critical element of homeownership. Fire, vandalism, theft, and wind damage are just a few of the perils from which home insurance can protect your dwelling and other personal belongings. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a home, investing in a homeowners insurance policy is a great move. The average homeowners policy costs $114 per month in Boston, Massachusetts. This is on par with national average monthly home insurance payment.

The cost of home insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more about what is covered by a homeowners insurance policy.

If you want to find cheap homeowners insurance in Boston, start with shopping around and comparing what different companies offer. Take a look at the summary below showing average home insurance rates in Boston to help you get as much information as possible when you start your search for insurance. One thing worth noting: the yearly cost of coverage is determined based on your chosen coverage limits as well as a number of other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


Boston home insurance by company

Boston homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Boston comes from MAPFRE, which offers average annual rates of just $880 per year. This is more favorable than the city’s average insurance premium of $1,365.

Begin your search for a home insurance policy by reviewing the best-priced homeowners insurance carriers in Boston, Massachusetts, listed below. Then, see our rankings of the top home insurance carriers by customer satisfaction and other factors.

Company Average Annual Rate
Safety $923
Vermont $1,105
Metropolitan $1,109
Arbella $1,129


Boston homeowners insurance prices by coverage level

Your chosen amount of homeowners coverage determines the insurance premiums you pay. In Boston, carrying $200K dwelling coverage costs an average of $1,006, while carrying additional coverage up to $400K costs $1,641 per year.

Coverage Level Average Annual Rate
$100,000 Dwelling $683
$200,000 Dwelling $1,006
$250,000 Dwelling $1,181
$400,000 Dwelling $1,641


Boston home insurance rates by ZIP code

Home insurance premiums can vary depending on what area of Boston in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

To find the cheapest homeowners coverage in Boston, look no further than 02133. Within the 02133 ZIP code, a policy typically costs just $1,241 per year — a full $123 less than the Boston average. Find the best places to live in Boston for cheap home insurance by looking at the following table.

ZIP Code Average Annual Home Insurance Rate
02133 $1,241
02163 $1,249
02215 $1,251

Other parts of Boston, however, have home insurance rates that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. An average annual rate of $1,604 makes 2127 the most expensive ZIP code in Boston for homeowners coverage.

ZIP Code Average Annual Home Insurance Rate
2127 $1,604
2118 $1,558
2210 $1,537


Boston homeowners insurance deductibles

Among the many choices faced by homeowners when shopping for a home insurance policy is how high to set the deductible. A deductible is the amount of money for which a homeowner is responsible for paying before the insurer will cover damages. Choosing where to set your deductible plays a significant role in how much you pay for your coverage.

In general, choosing a low deductible means that your insurance premiums will be higher. As such, if you want to keep your insurance rates low, aim for a higher deductible. Bear in mind that your deductible should not be so high that you would struggle to pay it in the event of a loss.

The table below displays the typical premium costs associated with most deductibles.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,329
$1,000 $1,181
$1,500 $1,138
$2,000 $1,049
$5,000 $892


Home and auto insurance bundling in Boston

If you’re searching for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Boston homeowners could see annual savings of 16% on average.

Company Avg. Annual Auto Insurance Rate (With Bundle)
Plymouth Rock $905
GEICO $951
Safety $1,064
MAPFRE $1,124
Amica $1,329

Compare quotes on Boston, MA home insurance today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.