Average homeowners insurance cost in Massachusetts

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Homeowners in Massachusetts pay an average of $1,471 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Heritage Insurance Holdings offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Homeowners insurance costs an average of $1,471 a year, based on our data.
Of all the ZIP codes in Massachusetts, 1376 has the most affordable home insurance rates at around $1,079 annually.
In Massachusetts, Heritage Insurance Holdings provides the most affordable home insurance at an average annual premium of $968.

What is the average cost of homeowners insurance in Massachusetts?

Homeowners in Massachusetts pay an average of $1,471 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Massachusetts? Cost by coverage level

Homeowners insurance in Massachusetts costs $1,471 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,821 per year for homeowners insurance in Massachusetts for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Massachusetts for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,146	$95
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,158	$96
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,471	$123
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,483	$124
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,821	$152
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,834	$153
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,601	$217
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,616	$218
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$3,840	$320
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$3,861	$322

Average home insurance cost in Massachusetts by insurer

The most affordable homeowners insurance in Massachusetts comes from Heritage Insurance Holdings, which averages $968 per year. State Farm and Andover Insurance are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Massachusetts homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Heritage Insurance Holdings	$968	$81
State Farm	$1,206	$100
Andover Insurance	$1,301	$108
Travelers	$1,350	$112
Arbella Insurance	$1,660	$138
Vermont Mutual	$1,689	$141
Amica	$1,730	$144
Mapfre Insurance	$1,791	$149
Safety Insurance	$1,837	$153
Allstate	$3,911	$326
USAA*	$1,068	$89

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Massachusetts is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in Massachusetts?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Massachusetts

Most affordable ZIP codes for home insurance in Massachusetts

1376 has the lowest average home insurance rates in Massachusetts, with homeowners paying around $1,079 per year.

Home insurance rates aren’t uniform across Massachusetts. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average rates for some of the most affordable ZIP codes in Massachusetts.

ZIP code	Average annual rate	Average monthly rate
1376	$1,079	$90
1267	$1,093	$91
1301	$1,095	$91
1349	$1,097	$91
1354	$1,099	$92
1242	$1,100	$92
1367	$1,103	$92
1347	$1,104	$92
1240	$1,105	$92
1238	$1,108	$92

Most expensive ZIP codes for home insurance in Massachusetts

At the other end of the spectrum, 2564 has the highest average rates in Massachusetts at $2,855 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Massachusetts.

ZIP code	Average annual rate	Average monthly rate
2564	$2,855	$238
2573	$2,833	$236
2557	$2,808	$234
2552	$2,595	$216
2663	$2,586	$216
2535	$2,552	$213
2575	$2,526	$210
2554	$2,522	$210
2539	$2,508	$209
2565	$2,485	$207

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Massachusetts by city

See rates in your city

How have home insurance rates changed in Massachusetts?

Home insurance rates in Massachusetts decrease by 4% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$1,542	$1,535	$1,471

What are the best homeowners insurance companies in Massachusetts?

Our data points to Travelers as the best overall pick in Massachusetts, thanks to its AM Best rating of A++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Massachusetts compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$1,350	A++	0.91	4.88
State Farm	$1,206	A+	1.15	4.78
Amica	$1,730	A+	0.37	4.76
Andover Insurance	$1,301	A	0.1	4.73
Arbella Insurance	$1,660	A	0.15	4.68
Vermont Mutual	$1,689	A	0.06	4.68
Safety Insurance	$1,837	A	0.13	4.66
Mapfre Insurance	$1,791	A	0.29	4.65
Allstate	$3,911	A+	1.26	4.44
USAA*	$1,068	A++	0.46	4.94

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.