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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 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 rating factors.

 
Boston homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible
  5. Policy bundling discounts

 

Homeowners insurance in Boston 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 cheapest companies in Boston, Massachusetts, listed below.

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

 

Average home insurance rates in Boston by coverage limit

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.

 
HOMEOWNERS INSURANCE RATES IN BOSTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$683
$200,000 Dwelling$1,006
$250,000 Dwelling$1,181
$400,000 Dwelling$1,641

 

Boston home insurance prices 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.

 
AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN BOSTON
ZIP CodeAverage 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.

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

 

Home insurance deductibles in Boston

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.

 
HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN BOSTON
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,329
$1,000$1,181
$1,500$1,138
$2,000$1,049
$5,000$892

 

Looking for a money-saving tip for insurance in Boston? Try bundling

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.

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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.

Compare homeowners insurance companies and save.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.