Massachusetts homeowners insurance calculator

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Homeowners in Massachusetts pay an average of $1,483 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our Massachusetts homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in Massachusetts?

Shop around and compare quotes from multiple insurers – rates for the same coverage can differ significantly.
Raise your deductible – a higher up-front cost to you usually translates to a lower annual premium.
Bundle your home and auto insurance with the same insurer to qualify for a multi-policy discount.
Install safety features like smoke detectors, deadbolt locks or a security system, which can qualify you for additional discounts.

How to use the Massachusetts home insurance calculator

Our home insurance calculator is designed to give you a quick, personalized look at what coverage might cost in Massachusetts. Just plug in a few basics – your state, how much coverage you want for your home, the amount of liability protection, and the deductible that works for you. Here’s how to use it:

Select your state. Choose Massachusetts to pull rates specific to your area.
Enter your dwelling coverage amount. This is how much it would cost to rebuild your home.
Choose your liability limit. This covers costs if someone is injured on your property or you accidentally damage someone else’s.
Set your deductible. The amount you’d pay out of pocket before insurance kicks in.

Once you’ve entered your details, the calculator will show you:

The average annual rate for homeowners in Massachusetts
The highest and lowest rates in our data
A list of insurers in Massachusetts with their typical annual premiums

It’s a simple way to get a ballpark idea of your costs and compare companies before you start shopping for quotes.

Massachusetts home insurance calculator

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

State

Massachusetts

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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

Key Takeaways

Homeowners insurance in Massachusetts averages $1,483 per year, which is cheaper than the national average of $2,612.
Your premium will be shaped by your home’s location, age, size, rebuilding cost, and the coverage levels you select.
Standard home insurance policies don’t include flood, earthquake, or other climate-related disaster coverage – if you’re in a high-risk area, separate coverage is worth looking into.
Premiums differ considerably between insurers, so comparing quotes is one of the most reliable ways to reduce what you pay.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in Massachusetts?

Dwelling coverage determines how much your insurer will pay toward repairing or rebuilding your home after a covered event. The coverage level you choose has a direct effect on your premium – more coverage means higher costs. Even so, selecting an amount that genuinely reflects your home’s full rebuild value is important, since being uninsured can leave you with substantial out-of-pocket expenses after a major loss.

Average annual and monthly premiums by dwelling coverage amount are shown in the table below.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,158	$96
$300,000	$1,483	$124
$400,000	$1,834	$153
$600,000	$2,616	$218
$1,000,000	$3,861	$322

Average cost of homeowners insurance in Massachusetts

The average cost of homeowners insurance in Massachusetts is $1,483 per year – cheaper than the national average of $2,612.

That estimate is based on a standard policy with:

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

But remember – how much you actually pay could be higher or lower. Things like where your home is located, its age and size, and how much it would cost to rebuild all play a big role in what you’ll actually pay.

Average cost of home insurance in major Massachusetts cities

Homeowners insurance costs in Massachusetts can look very different depending on where you live. Homeowners in Cambridge pay some of the lowest rates in the state, while those in Brockton pay some of the highest.

The table below highlights the average annual rates in major cities across Massachusetts.

City	Average annual rate	Average monthly rate
Boston	$1,493	$124
Brockton	$2,013	$168
Cambridge	$1,288	$107
Fall River	$1,656	$138
Lowell	$1,435	$120
Lynn	$1,702	$142
New Bedford	$1,823	$152
Quincy	$1,364	$114
Springfield	$1,701	$142
Worcester	$1,540	$128

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 natural disasters affect homeowners insurance rates in Massachusetts?

Your home’s geographic location plays a significant role in what you pay for insurance. Properties in areas with a higher likelihood of flooding, wildfires, hurricanes, or tornadoes tend to carry higher premiums, as they represent a greater claims risk for insurers.

It’s also important to know that standard homeowners policies exclude these events. Depending on where your home is located, you may need separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

Adding this protection increases your overall insurance costs, but it also means you won’t be facing major repair or rebuilding expenses entirely on your own after a disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Massachusetts?

A hurricane deductible is a policy-specific deductible that applies only to losses caused by hurricanes, separate from your standard deductible. Rather than a fixed dollar amount, it’s expressed as a percentage of your dwelling coverage – commonly up to 10%.

The table below shows average rates with and without a 2% hurricane deductible. If your policy doesn’t include hurricane coverage and you’re in a high-risk coastal area, any hurricane-related damage would fall entirely outside your coverage. Taking the time to read through your policy details carefully is the best way to confirm you have the protection your location requires.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$1,483	$1,535

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Massachusetts?

Homeowners in Massachusetts pay an average of $1,483 per year. Your individual premium will depend on your home’s location, construction type, age, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Massachusetts?

Dwelling coverage should be set at a level that would cover a complete rebuild of your home. For liability, choose a limit that adequately protects your financial assets if you’re held responsible for injury or property damage. Homeowners with considerable savings or valuable assets may want to consider higher limits or additional endorsements.

Does increasing my deductible lower homeowners insurance costs?

It does. A higher deductible shifts more of the initial claim cost to you, which allows insurers to offer a lower premium in return. Before raising your deductible, make sure the amount you’d owe in a claim is something you could realistically manage out of pocket.

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in late 2025 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

$1,397/Year

$3,633/Year

$3,733/Year

$2,344/Year

$1,616/Year

$4,963/Year

$1,905/Year

$1,656/Year

$1,374/Year

$7,136/Year

$2,323/Year

$659/Year

Show more states

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.