Shopping for renters insurance shouldn't be stressful. Compare Massachusetts rates by location and insurance company below.
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Renters insurance is a great — and cheap! — way to ensure your personal belongings are insured against common incidents. Renters insurance covers household items from smoke or fire damage, a wind event, theft or vandalism, and an array of other circumstances.
Unlike car insurance, renters policies aren’t controlled by state legislation. That said, there are sometimes substantial gaps in the cost of renters insurance by state. Policy costs in US states may vary depending on the value and number of renters insurance claims filed in that state, and also on the value of the belongings being insured.Getting a renters policy in Massachusetts is more expensive than the national average. The typical annual renters insurance rate in Massachusetts is $217, $32 more expensive than the average across the nation.
The easiest way to find cheap renters insurance in Massachusetts is to view prices from as many insurance companies as you can. Get an idea of renters insurance rates in Massachusetts via the below data. Individual rates may vary depending on coverage options and the value of the items insured.
Prices for renters insurance in Massachusetts will vary depending on the insurance company you select. Quincy Mutual offers the best deal on renters insurance in Massachusetts, at just $107 per year. This is less than the state's average price of $217, offering a 51% discount on rates typical to the state.
Start shopping for affordable coverage by reviewing the cheapest Massachusetts companies, listed below.
| Insurance Company | Average 12-Month Rate in Massachusetts |
| Quincy Mutual | $107.28 |
| Safety | $119.19 |
| Vermont | $133.63 |
| Arbella | $135.83 |
| Amica | $141.80 |
Renters insurance rates in Massachusetts differ by city. Policy pricing depends on city-specific variables like the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.
The most affordable renters insurance rates in Massachusetts are available in Waltham. A typical renters insurance term in Waltham totals just $197 per year — $73 less than the state average. The below table shows the best places to live in Massachusetts if you’re looking for cheap renters insurance.
| City | Average Annual Renters Insurance Rate |
| Waltham | $197 |
| Newton | $198 |
| Medford | $198 |
| Malden | $198 |
| Framingham | $200 |
If you're trying to save on insurance, consider purchasing both your car and renters insurance policies from one company. Bundling auto and renters insurance in Massachusetts can save you a substantial sum each month on auto insurance. Bundling policies in Massachusetts may earn you a yearly discount of $107.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,276.77 | $1,170.10 | $106.67 | 9% |
One of the best ways to save on auto insurance is to bundle your policies. Get started today!
Searching for information about renters insurance for a particular city? Take a look at our breakdown of major metropolitan areas 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.
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.