Boston, MA Renters Insurance

Renters insurance in Boston, Massachusetts


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 circumstances, 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.


Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Boston

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.


AFFORDABLE RENTERS INSURANCE COMPANIES IN BOSTON
CompanyAverage Annual Rate in Boston
Safety$146
Arbella$155
Vermont$181
Quincy Mutual$181
Amica$183

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 auto and renters insurance policies in Boston

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.


CAR AND RENTERS BUNDLING DISCOUNTS IN BOSTON
Annual Bundle SavingsBundle Savings %
$956.7%




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Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance