Average homeowners insurance cost in Massachusetts

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Home insurance in Massachusetts costs an average of $1,622 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Andover Insurance offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,622 a year, based on our data.
Of all the ZIP codes in Massachusetts, 1342 has the most affordable home insurance rates at around $1,149 annually.
In Massachusetts, Andover Insurance provides the most affordable home insurance at an average annual premium of $871.

What is the average cost of homeowners insurance in Massachusetts?

Homeowners in Massachusetts pay an average of $1,622 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

The typical homeowners insurance policy in Massachusetts runs $1,622 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $1,979 in Massachusetts.

The table below outlines average annual and monthly premiums across three dwelling coverage levels: $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,286	$107
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,303	$109
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,622	$135
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,640	$137
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,979	$165
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,998	$166
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,734	$228
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,755	$230
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$4,346	$362
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$4,370	$364

Average home insurance cost in Massachusetts by insurer

The most affordable homeowners insurance in Massachusetts comes from Andover Insurance, which averages $871 per year. Heritage Insurance Holdings and State Farm 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
Andover Insurance	$871	$73
Heritage Insurance Holdings	$1,016	$85
State Farm	$1,162	$97
Vermont Mutual	$1,343	$112
Arbella Insurance	$1,454	$121
Safety Insurance	$1,671	$139
Travelers	$1,676	$140
Mapfre Insurance	$1,755	$146
Allstate	$1,995	$166
Amica	$2,711	$226
USAA*	$1,840	$153

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Massachusetts.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

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

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Massachusetts.

Most affordable ZIP codes for home insurance rates in Massachusetts

The most affordable rates are in 1342, where homeowners pay $1,149 per year on average.

Not every area in Massachusetts has the same home insurance cost. How much you pay for homeowners insurance in Massachusetts depends on many factors, including your ZIP code.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Massachusetts.

ZIP code	Average annual rate	Average monthly rate
1342	$1,149	$96
1267	$1,150	$96
1236	$1,155	$96
1367	$1,161	$97
1376	$1,164	$97
1354	$1,165	$97
1351	$1,166	$97
1379	$1,175	$98
1301	$1,176	$98
1257	$1,177	$98

Most expensive ZIP codes for home insurance in Massachusetts

At the other end of the spectrum, 2552 has the highest average rates in Massachusetts at $3,139 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
2552	$3,139	$262
2554	$3,106	$259
2535	$3,089	$257
2539	$2,982	$249
2564	$2,964	$247
2663	$2,824	$235
2568	$2,819	$235
2573	$2,778	$231
2657	$2,767	$231
2557	$2,743	$229

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

What are the best homeowners insurance companies in Massachusetts?

Based on our data, Andover Insurance stands out as a top choice in Massachusetts. It earns an AM Best rating of A and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Massachusetts by average annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Andover Insurance	$871	A	0.08	5
Vermont Mutual	$1,343	A+	0.07	4.77
Arbella Insurance	$1,454	A	0.04	4.65
Mapfre Insurance	$1,755	A	0.07	4.41
Safety Insurance	$1,671	A	0.18	4.32
Travelers	$1,676	A++	0.54	3.96
State Farm	$1,162	A++	0.95	3.74
Allstate	$1,995	A+	0.9	3.15

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 rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and methodology

Source

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

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

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

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will 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.