Boston, MA Renters Insurance

Renters insurance in Boston

It's very important to maintain renters insurance if you're renting a house or apartment. It covers your rental unit — and the personal property within it — in a variety of circumstancees, including fire, theft, vandalism, or wind damage. Since bad things do happen, the affordability of a renters policy, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including the building's age, its material constitution, its geographic location, and the pricing rules of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly renters insurance rate in Boston is $283.

Getting affordable renters insurance in Boston starts with shopping around and comparing policies. Check out our breakdown of average Boston renters insurance rates to ensure you start your search with as much background info as possible. Remember: rates will vary based on your coverage limits and other factors.

Boston renters insurance:

  1. Rates by company
  2. Rates by coverage level
  3. Auto and renters insurance discounts

Renters insurance in Boston by insurance company

Renters insurance premiums in Boston depend on the insurer you choose. For instance, Safety offers the cheapest renters insurance in Boston, at just $146 per year. That's less expensive than the city's average cost of $283, providing a $138 price break on typical rates in the city.

Start your search for a renters insurance policy by reviewing the cheapest companies in Boston.

CompanyAverage Annual Rate in Boston
Quincy Mutual$181

Boston renters insurance pricing by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Boston, the annual cost differential between these levels is approximately $145. If you can afford to insure your personal property at this additional expense, it's an option worth considering.

Coverage LevelAverage Annual Rate in Boston
$25K Property$211
$50K Property$356

Tip: bundle your renters and car insurance policies

If you’re looking to save, consider carrying your renters and auto policies under the same insurance company. Combining renters and car insurance in Boston can save you a substantial sum each month on your auto insurance bill. In fact, bundling renters and auto insurance leads to average savings of 6.7% on car insurance rates. The auto insurance company offering the most affordable rate with a renters bundle is GEICO, followed by Plymouth Rock and MAPFRE.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.

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 master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.