How much is homeowners insurance in Worcester, Massachusetts?

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Our data shows that the average cost of homeowners insurance in Worcester is $1,623 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $881 less than the national average of $2,504 .

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

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Worcester, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Worcester.

Key Takeaways

In Worcester, homeowners insurance costs $1,623 annually.
State Farm offers the most affordable homeowners insurance in Worcester with an average annual premium of $810 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $334 higher.

How much is homeowners insurance in Worcester per month?

Worcester homeowners pay an average of $135 a month. It’s same as the state average of $135 and $74 less than the national average for home insurance across the nation. The price of your homeowners insurance policy in Worcester may vary depending on where you live, the value of your home, and the coverage you choose.

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

The average cost of homeowners insurance in Worcester, MA is $1,289 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

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

Worcester residents pay an average of $1,623 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $334 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

How much is homeowners insurance in Worcester by company?

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in Worcester, offering an average annual rate of $810 , while Andover Insurance ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Worcester and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Worcester and what you can expect to pay with each one on average.

Home insurance company	Annual rate
State Farm	$810
Andover Insurance	$829
Heritage Insurance Holdings	$1,199
Vermont Mutual	$1,372
Travelers	$1,393
Arbella Insurance	$1,537
Allstate	$1,709
Safety Insurance	$1,832
Mapfre Insurance	$2,159
Amica Mutual	$2,557
USAA*	$1,775

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

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Massachusetts that can impact your home insurance

Living in Massachusetts comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Massachusetts is commonly affected by Coastal flooding, Hurricane, Ice storm, Lightning and Riverine flooding.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

TIP

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Worcester 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.

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Shivani Gite

Contributing Writer

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.