How much is homeowners insurance in Boston,MA

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In Boston, homeowners pay an average annual rate of $1,771 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $733 less the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Boston, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Boston, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Boston.

Key takeaways

The cost of your homeowners insurance policy in Boston can vary based on factors such as your location, the value of your home, and the coverage options you select.
Heritage Insurance Holdings is the cheapest homeowners insurance company in Boston with an average annual premium of $880.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $370 more, annually for home insurance.

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 the state average of $135 and $61 less 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 cheapest homeowners insurance company in Boston. It’s average annual rate for Boston homeowners is $880. Andover Insurance ranks second and Vermont Mutual makes it to the third spot with an average annual home insurance rate of $1,424.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Boston and prepared a list of the cheapest home insurance providers. You can find below the Boston home insurance companies and their average annual premium.

Home insurance company	Annual rate
Heritage Insurance Holdings	$880
Andover Insurance	$1,079
Vermont Mutual	$1,424
State Farm	$1,448
Safety Insurance	$1,482
Arbella Insurance	$1,560
Travelers	$1,723
Mapfre Insurance	$1,784
Allstate	$2,097
Amica Mutual	$3,038
USAA*	$2,361

Methodology

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