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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 get affordable renters insurance in Massachusetts

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy defends household items against smoke or fire damage, a wind event, theft, vandalism and an array of other events.

Unlike auto insurance, renters insurance isn't priced based on state-level legislation. Regardless, there are sometimes substantial gaps in insurance pricing by state. Renters insurance rates by state differ based on the number and total value of renters policy claims filed across the state, and depend on the value of the belongings insured on the policy.

Getting renters insurance in Massachusetts is more expensive than the nationwide average. The typical annual renters insurance rate in Massachusetts is $217, $32 more expensive than the national average.

The easiest way to get a cheap renters insurance policy in Massachusetts is to shop around and compare rates from a variety of insurance companies. Get an idea of how much renters insurance costs in Massachusetts by reviewing the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions


Renters insurance prices in Massachusetts by company

Renters insurance rates in Massachusetts differ depending on the insurer you choose. Quincy Mutual offers the best deal on renters insurance in Massachusetts, at just $107 per year. This compares favorably to the state average price of $217, offering a 51% price break on the state's average rate.

Begin your search for cheap renters insurance by reviewing the best Massachusetts companies, listed below.

Company Average Annual Rate in Massachusetts
Quincy Mutual $107
Safety $119
Vermont $134
Arbella $136
Amica $142

Massachusetts renters insurance costs by city

Not all Massachusetts cities have equal renters insurance rates. Policy rates rely on on city-specific variables, such as the number of claims filed nearby, meaning your specific ZIP code impact how much you pay.

The most affordable renters insurance rates in Massachusetts are in Waltham. An average renters insurance policy in Waltham costs just $197 annually — $73 less than the state average. The below cities have the most affordable renters insurance in Massachusetts.

City Average Yearly Renters Insurance Rate
Waltham $197
Newton $198
Medford $198
Malden $198
Framingham $200

Searching for renters insurance info for a particular city? Have a look at our breakdown of major metropolitan areas in Massachusetts.

  1. Boston

Renters insurance in MA by coverage tier

The cost of your renters insurance depends on the amount of coverage you carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Massachusetts, the difference in annual premium between these two tiers is roughly $96. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage Level Average Yearly Renters Insurance Rate in Massachusetts
$25K Property $169
$50K Property $265

Tip: bundle auto and renters insurance in Massachusetts

If you're trying to save on insurance, consider purchasing both your car and renters insurance policies from one company. A renters and car insurance bundle in Massachusetts can save you a substantial sum each month on your auto insurance policy. Purchasing bundled policies in Massachusetts may earn you a yearly discount of $107.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,277 $1,170 $107 9%

Massachusetts renters insurance FAQs


Is renters insurance required in Massachusetts?

In Massachusetts, there is no state law that requires renters insurance, but you will likely need one before you sign a lease with your landlord or property management company. It's generally a good idea to have it and is usually a very affordable way to safeguard your personal property.

What does Massachusetts renters insurance cover?

Renters insurance will cover the contents of your home, along with liability coverage, additional living expenses, and medical payments to others. Depending on the insurance company and your needs, these coverage options are generally flexible.

Need a Renters Insurance Quote?

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.