How much is homeowners insurance in Boston, MA

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Boston is $1,771 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $733 less than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Boston depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

Heritage Insurance Holdings is the cheapest homeowners insurance company in Boston with an average annual premium of $880 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Boston. Keep reading to learn about the monthly cost of homeowners insurance in Boston, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Boston.

How much is homeowners insurance in Boston per month

According to our rate analysis, homeowners in Boston pay an average of $148 per month. It’s $13 more than the state average of $135 and $61 less than the national average for home insurance across the United States.

In Boston, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Boston

The average cost of homeowners insurance in Boston, MA is $1,401 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Boston

According to Insure.com’s rate analysis, homeowners in Boston typically pay an average of $1,771 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $370. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Boston by company

Among the carriers analyzed, Heritage Insurance Holdings is the most affordable homeowners insurance company in Boston. It’s average annual rate for homeowners in Boston is $880, while Andover Insurance ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Boston and compiled a list of the most affordable home insurance companies.

Below are details of Boston home insurance companies and their average annual premiums.

Common natural disasters in Massachusetts that may affect home insurance

Natural disasters can happen unexpectedly and cause serious damage to your home and belongings. It’s important to know these risks so you can make sure your home insurance covers you properly if something happens.

Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding are some of the common natural disasters in Massachusetts that could affect your home insurance costs.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Boston for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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