Best and cheapest homeowners insurance companies in Massachusetts

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Homeowners in Massachusetts pay an average of $1,483 per year for home insurance, but your actual premium could be quite different from what your neighbors pay. Insurers look at a wide range of factors like your home’s age, construction type and proximity to fire stations and coastlines, which means two similar homes on the same block can carry noticeably different costs.

If affordability is your top priority, Heritage Insurance Holdings offers the lowest average rates in Massachusetts. But the cheapest policy isn’t always the right one. It’s worth considering financial strength, customer satisfaction, and third-party ratings before making your decision.

How to find the right policy in 3 steps

Estimate your coverage needs. Aim for enough dwelling coverage to fully rebuild your home at today’s construction prices.
Compare at least three quotes using identical coverage limits and deductibles – rates for the same policy can vary by hundreds of dollars.
Look beyond price. Check financial strength ratings (AM Best) and customer satisfaction scores (J.D. Power) before committing to the cheapest option.

Our choice: Compare the best homeowners insurance companies in Massachusetts

When purchasing insurance in Massachusetts, it’s important to compare providers. The right insurance company for someone else might be the wrong insurer for you.

Here are our picks for the top insurance companies in Massachusetts.

Company group	Annual premium	AM Best rating	NAIC rating	Overall rating (out of 5)
Andover Insurance	$1,311	A	0.10	4.68
Vermont Mutual	$1,699	A	0.06	4.65
Arbella Insurance	$1,692	A	0.15	4.61
Amica	$1,741	A+	0.37	4.60
Safety Insurance	$1,851	A	0.13	4.60
Mapfre Insurance	$1,799	A	0.29	4.53
Travelers	$1,358	A++	0.91	4.49
State Farm	$1,256	A+	1.15	4.29
Allstate	$3,893	A+	1.26	3.91
USAA*	$1,068	A++	0.46	4.74

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

What are the cheapest homeowners insurance companies in Massachusetts?

Heritage Insurance Holdings offers the cheapest homeowners insurance in Massachusetts, with average rates of $82 per month or $990 annually. The cheapest option in your state depends on how insurers weigh local factors like climate risk, claims history and building costs. Getting quotes from a few different insurers is the best way to find the lowest rate based on your profile.

Company group	Annual premium	Monthly premium
Heritage Insurance Holdings	$990	$82
State Farm	$1,256	$105
Andover Insurance	$1,311	$109
Travelers	$1,358	$113
Arbella Insurance	$1,692	$141
Vermont Mutual	$1,699	$142
Amica	$1,741	$145
Mapfre Insurance	$1,799	$150
Safety Insurance	$1,851	$154
Allstate	$3,893	$324
USAA*	$1,068	$89

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

Home insurance rates can vary by hundreds – even thousands – between insurers

Even within the same state, premiums can swing by hundreds of dollars based on factors you might not think about, including:

Your exact ZIP code, local claim history, and proximity to the coast, wildfire zones, or areas prone to severe weather
Your home’s age, size, roof type, construction materials, and the overall risk your property carries
Distance to the nearest fire station or fire hydrant
Your credit-based insurance score
Whether you’ve filed claims in the past five to seven years

How much does homeowners insurance cost in Massachusetts?

The average homeowners insurance cost in Massachusetts is $1,483. That’s $1,060 lower than the national average of $2,543.

Averages are a useful benchmark, but your premium will ultimately reflect your specific home and circumstances, including your ZIP code, property value, roof condition and the coverage options you select.

People also asked: Is homeowners insurance required in Massachusetts?

Massachusetts has no law requiring homeowners insurance, but mortgage lenders will almost always mandate a policy that covers the full replacement cost of your home so it can be completely rebuilt after a total loss. Standard policies include dwelling, liability and personal property coverage, though the limits and available add-ons differ by insurer.

Estimate your costs and compare homeowners insurance quotes in Massachusetts

Use our homeowners insurance calculator below to estimate how much coverage might cost in your state. Choose your dwelling coverage, liability limits, and deductible to see how each choice affects your average annual rate – along with the lowest and highest rates available in your area.

Keep in mind that your actual quote will depend on additional details specific to your home, including its age, construction type, claim history, and exact location within the state. Use the calculator as a starting point, then compare quotes from at least three insurers to find your true lowest price.

Homeowners insurance rates by state calculator

See how the average annual home insurance rates vary with the options chosen.

State

Massachusetts

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Massachusetts

$1,609 Average rate

Average rate

$1,609/Yr

Lowest rate

$970/Yr

Highest rate

$3,791/Yr

Rates by carriers in Massachusetts

Company	Average annual rate
State Farm	$970
Heritage Insurance Holdings	$995
USAA	$1,023
Travelers	$1,371
Andover Insurance	$1,475
Amica	$1,539
Mapfre Insurance	$1,554
Vermont Mutual	$1,574
Arbella Insurance	$1,615
Safety Insurance	$1,789
Allstate	$3,791

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Last calculator data updated on: 2026

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 do I choose the right homeowners insurance in Massachusetts?

Choosing the right homeowners insurance in Massachusetts comes down to three priorities: sufficient coverage to fully rebuild your home, a deductible that fits your financial situation and an insurer with solid financial ratings and reliable customer service. The strongest policy strikes a balance between cost and protection, because a low premium means little if your insurer is slow to settle claims or your coverage falls short when it counts.

What to look for in a homeowners insurance policy:

Replacement cost coverage. Your lender will typically require this. It pays to rebuild your home at current construction prices rather than at its depreciated value. Most standard policies include it, but verify that the estimate accounts for current labor and material costs in your area.
A deductible that fits your budget. Higher deductibles reduce your premium but increase what you pay out of pocket after a claim. Pick an amount you could cover without financial hardship.
Adequate liability limits. Liability protection applies when someone is hurt on your property or you accidentally damage someone else’s. Most experts suggest carrying at least $300,000 in liability coverage.
Strong claims handling. Review third-party ratings from J.D. Power and AM Best and read through customer feedback. A bargain policy from a poorly rated company can end up being far more costly over time.
Quotes from at least three insurers. Rates for the same coverage can differ by hundreds of dollars across companies, so comparing is the only reliable way to confirm you’re getting the best value.

The cheapest policy isn’t always the best deal

A lower premium can come with real trade-offs, including steeper deductibles, reduced coverage limits or exclusions for things like water damage or roof replacement. Before settling on the cheapest option, take a close look at what’s actually covered and what you’d owe out of pocket after a claim. Saving $200 a year on your premium can quickly become a costly decision if your policy leaves critical gaps.

What are the most common natural disasters in Massachusetts?

According to the Federal Emergency Management Agency (FEMA), a U.S. agency that manages disaster response and flood risk, the most common natural disasters in Massachusetts are some of Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding. These risks can significantly impact homeowners insurance costs and coverage needs, especially in high-risk areas.

Disaster risk looks very different depending on where you live, and so do the gaps in standard homeowners coverage. Floods and earthquakes are excluded from most policies and each requires its own separate protection, such as flood insurance through FEMA’s National Flood Insurance Program or a stand-alone earthquake policy or endorsement. Don’t wait until a disaster hits to review your coverage. Take time now to identify the major risks in Massachusetts and fill any gaps before you need to file a claim.

The table below shows the expected annual losses from natural disasters in Massachusetts:

Natural Hazard(s)	Expected Annual Loss
Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding	Relatively Moderate

Standard policies don’t cover every disaster

Standard homeowners insurance generally excludes flood and earthquake damage, which can leave you covering major losses on your own. Based on where your home sits in Massachusetts, a separate flood policy or earthquake endorsement could be essential to closing that gap. It’s worth reviewing your coverage now rather than discovering the shortfall after a loss.

How we picked the top-rated home insurance companies

We used sample rates from Quadrant Data Services for coverage of $300,000 for both dwelling and liability coverage and a $1,000 deductible. We analyzed more than 37 million quotes from 134 companies.

We also gathered AM Best financial strength ratings for each insurance company, along with each company’s National Association of Insurance Commissioners (NAIC) complaint ratio. The NAIC is a regulatory support organization made up of state insurance regulators, and its complaint ratio compares how many complaints an insurer receives to the industry average.

We used these data points to create a score out of five. Only companies for which all three data points are available were included in the comparison.

Frequently asked questions

Does home insurance cover windstorms in Massachusetts?

Homeowners insurance typically covers wind damage. However, in some states – particularly those vulnerable to damage from hurricanes – your homeowners policy might have a separate deductible for storms such as hurricanes or tropical storms.

These deductibles are often much higher than the deductible that applies to the rest of your homeowners insurance coverage. Massachusetts does allow separate deductibles for hurricanes and windstorms.

In some cases, windstorm coverage has to be purchased separately; make sure to ask when you buy a policy.

Do I need flood insurance in Massachusetts?

If you live in a high-risk flood zone in Massachusetts, you need to purchase flood insurance. A standard homeowners insurance policy does not cover damage from floods. You can check your flood zone on FEMA’s flood maps.

About 90% of all natural disasters include flooding, according to the federal government’s National Association of Insurance Commissioners, so all homeowners should consider flood insurance.

Do homeowners insurance policies cover building code upgrades?

Homeowners insurance typically does not cover the extra cost of bringing your home up to current building codes after a covered loss. If your home is older, you may be required to rebuild parts of it to meet updated regulations, which can increase repair costs significantly.

According to the Insurance Information Institute (III), a nonprofit that provides insurance data and research, homeowners can add an ordinance or law endorsement to cover the cost of required code upgrades during repairs or rebuilding. Without it, those costs are typically paid out of pocket.

How can I save on homeowners insurance?

The best way to save on homeowners insurance is to shop around and compare quotes from a handful of insurance companies. That way, you can find the coverage you need at the best possible price.

Raising your deductible can also lower your premium costs. However, remember that if you file a claim, you will have to pay your deductible in full before the insurance company will begin to reimburse you for the claim.

Most insurance companies also offer many different types of discounts to eligible policyholders. For example, one way to save is to bundle your policies by purchasing more than one type of insurance with the same insurance company.

Another way to save money is to install smoke detectors and security systems, says Theresa Breunig-Silbernagel, head of strategy and experience at Main Street America Insurance.

“Smart home systems such as motion sensors, video doorbells and water leak sensors will send you an alert on your cell phone so you can handle the issue before it becomes a real problem,” she says. “Often, these installed devices can result in discounts.”

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in all 50 states as well as Washington, D.C. with coverage levels of $300,000 for dwelling and liability and with a $1,000 deductible. Average rates were calculated using quotes from 134 insurance companies. To rank insurance companies, we used the average rate in the state along with NAIC complaint ratios and AM Best financial stability ratings.

Natural disaster data was drawn from FEMA’s National Risk Index.

Sources:

FEMA. “Flood Insurance.” Accessed May 2026.

Insurance Information Institute. “How much homeowners insurance do you need?” Accessed May 2026.

National Association of Insurance Commissioners. “Flood Insurance/National Flood Insurance Program (NFIP).” Accessed May 2026.

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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.