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2025

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Best Homeowners Insurance Agencies in Massachusetts

Our Recommended Top 15

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Our goal is to connect people with the best local professionals. We scored Massachusetts homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3928Reviewed

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15Top Picks

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Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Massachusetts
Brockton

Expertise.com Rating

Review Sources

Google
4.5 (71)

Why choose this provider?

Rocco Rose is a subsidiary of World Insurance Associates, the best brokerage firm in Massachusetts. It offers a variety of personal lines of insurance, including homeowner's coverage plans. This policy reimburses the cost of necessary replacement, repair, or reconstruction in the event of named or open perils. Additional protection includes loss of use coverage, which pays for alternative lodging if the home becomes uninhabitable. Depending on the limits, the policy can also cover damage to someone else's property or third-party injuries that result in lawsuits.

Best Homeowners Insurance Agencies Serving Massachusetts
New Bedford

Expertise.com Rating

Review Sources

Facebook
4.8 (91)
Google
4.8 (24)
Yelp
5.0 (1)

Why choose this provider?

FBinsure - New Bedford Office is the best brokerage in Massachusetts providing insurance and risk management solutions to individuals and families. It represents the best insurance companies that offer a wide selection of personal coverage plans, including homeowners� policies. During application, the firm�s specialists evaluate clients� homes, properties, and assets, craft personalized programs, and educate them about their options. They also write policies for rented living spaces and condominiums. For claims and concerns, the agency's customer service is available 24/7.

Best Homeowners Insurance Agencies Serving Massachusetts
Boston

Expertise.com Rating

Why choose this provider?

Bender Hatch Insurance caters to individuals and families in Massachusetts. It crafts the best programs to protect clients' private residences. Its insurance for homeowners covers policyholders' personal belongings, replacement and repair costs, liability, temporary housing, and living expenses in the event of a covered loss or natural disaster. Clients can also acquire coverage for jewelry and pets in their security plans. The agency was formed from the merger of two companies�Nancy Z. Bender Insurance and H.R. Hatch Insurance.

Best Homeowners Insurance Agencies Serving Massachusetts
Revere

Expertise.com Rating

Review Sources

Google
4.9 (66)
Facebook
5.0 (15)

Why choose this provider?

Since its founding in 1939, Claremont Insurance Agency Inc. has been writing policies for individuals and families in Massachusetts. Its insurance professionals help clients find the best coverage options for their living spaces, such as houses, condos, and apartments, in the event of unforeseen events or perils. There are also home protection plans that cover damage from fires and floods. In addition, clients can extend coverage to insure specialty items like jewelry and fine arts.

Best Homeowners Insurance Agencies Serving Massachusetts
East Boston

Expertise.com Rating

Why choose this provider?

Founded in 1933, Spataro & Bellino Insurance is a family-run agency serving clients throughout Massachusetts. It handles both personal and business lines, including homeowner's insurance that provides coverage for private dwellings or buildings and for liability. The firm's insurance specialists also write the best policies for renters and condo unit owners to protect their valuable possessions inside their living spaces. Richard Spataro, the company's current owner, has been in the insurance industry for over 25 years, with expertise in underwriting, marketing, accounting, and claims.

Best Homeowners Insurance Agencies Serving Massachusetts
Malden

Expertise.com Rating

Why choose this provider?

Since its founding in 1996, Derek Witham Insurance Agency, Inc., has been serving the people of Massachusetts. It offers coverage plans to individuals and families to secure their valuable assets, including their dwellings. Its homeowner's insurance covers the repair cost for damage to residential structures and their contents. It also protects policyholders from financial liability if someone is injured on their premises. The company's agents work with clients to find the best policy that matches their needs and requirements.

Best Homeowners Insurance Agencies Serving Massachusetts
Revere

Expertise.com Rating

Review Sources

Google
4.9 (77)
Facebook
5.0 (10)
Yelp
4.3 (6)

Why choose this provider?

RM Cataldo is an insurance agency that caters to individuals and families in Massachusetts. It writes the best homeowner's policy to insure private homes in the event of a mishap. This insurance covers the actual structure of the dwelling, replacement costs for damaged or lost items and personal possessions, and living expenses. Its agents shop among best insurance carriers to provide clients with the best comprehensive plan for their valuable assets. RM Cataldo has been in operation since 1990.

Best Homeowners Insurance Agencies Serving Massachusetts
Brighton

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (5)
Yelp
5.0 (2)

Why choose this provider?

Pella Insurance Agency, Inc., Massachusetts's best risk management firm, crafts policies to insure dwellings. Its protection plan for homeowners includes the replacement cost of personal items destroyed in covered disasters or perils. It also serves as the first line of defense for policyholders against a lawsuit involving a person injured at their insured property. In addition, the firm�s specialists write an all-risk policy with broader coverage. It has been in operation for over three decades.

Best Homeowners Insurance Agencies Serving Massachusetts
North Andover

Expertise.com Rating

Why choose this provider?

MTM Insurance Associates, LLC, helps clients in Massachusetts by providing the best policies that fit their needs, including insurance plans for their properties. The homeowner's insurance policy may include coverage for the replacement cost of dwellings and their content, as well as personal injury liability. Clients can also insure valuable articles like jewelry, furs, and art pieces with extended coverage. One of the company's managing members, Paul MacDonald, has been in the industry for over three decades. He holds both CPCU and CIC designations.

Best Homeowners Insurance Agencies Serving Massachusetts
Dorchester

Expertise.com Rating

Review Sources

Google
4.5 (24)
Facebook
3.7 (5)

Why choose this provider?

Since 2003, Metro South Insurance Agency has been crafting the best personal coverage plans that suit clients' needs in Massachusetts. Among the insurance products it offers is a homeowner's policy, which protects the dwellings of individuals and families in case of natural disasters or home invasions. This insurance also covers the legal responsibility for any injuries or property damage caused to others by policyholders or their family members. Staff at the office can speak Spanish and Vietnamese.

Best Homeowners Insurance Agencies Serving Massachusetts
Dorchester

Expertise.com Rating

Why choose this provider?

Ann M. Foley Insurance Agency Inc. is a family-owned business that has been working with clients in Massachusetts since 1979. It offers personal and business lines of insurance, including coverage for homes. Its homeowners' policy reimburses the cost of repairing the property's structure and replacing contents after severe weather, home invasions, or vandalism. It covers guest medical protection and additional living expenses. The firm's specialists also write the best separate policies to insure clients' assets in floods and fires.

Best Homeowners Insurance Agencies Serving Massachusetts
Boston

Expertise.com Rating

Review Sources

Google
4.9 (207)
Facebook
4.9 (53)
Yelp
5.0 (1)

Why choose this provider?

Ironside Insurance Group has been serving clients in Massachusetts since 2012. The best firm represents over 15 carriers offering various protection plans, such as homeowners' insurance. The policy reimburses the cost of needed replacement, repair, or reconstruction in the event of a covered loss. Depending on the limits, it can also cover damage to other people's property or injuries that result in lawsuits. In addition, clients can purchase full value coverage for stolen or damaged items like jewelry, fine arts, antiques, and firearms.

Best Homeowners Insurance Agencies Serving Massachusetts
Dorchester

Expertise.com Rating

Review Sources

Google
4.7 (37)

Why choose this provider?

Warren Insurance Agency is a family-operated business serving the people of Massachusetts. It offers various insurance options, including homeowners' coverage. The policy underwrites clients' damaged or stolen appliances, furniture, dishes, and clothing. It also covers injuries that may occur on the policyholder's premises and legal fees in case of a lawsuit. Jewelry insurance is also available to protect valuables, such as wedding bands, engagement rings, and diamond bracelets. It is the state's best insurance company. It has been in operation for over four decades.

Best Homeowners Insurance Agencies Serving Massachusetts
Allston

Expertise.com Rating

Review Sources

Google
4.1 (40)
Yelp
1.0 (3)

Why choose this provider?

Christopher Kokoras Insurance Agency, Inc., employs specialists who work to negotiate the best coverage plan for clients' in Massachusetts at a cheap rate. Among the firm's offerings is homeowners' insurance designed to pay for the replacement or repair cost of policyholders' dwellings and personal belongings following unfortunate events, such as fire, flood, theft, and vandalism. Clients can also combine their home and auto insurance. The firm has been writing personal and business coverage policies since 1982. It can provide services in Spanish and Portuguese.

Best Homeowners Insurance Agencies Serving Massachusetts
Swansea

Expertise.com Rating

Why choose this provider?

Frank Smith Insurance & Real Estate has been the best agency in Massachusetts for over five decades. It offers various coverage options for homeowner's insurance, helping clients find the company with the best coverage and pricing for their specific needs. The standard homeowners' policy it writes covers the structure of the house, personal possessions, additional living expenses, medical payments, and liability. Clients can also purchase a separate policy to insure their dwellings against water damage caused by storm surges and floods.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Rocco Rose
360 Oak Street, Brockton, MA 2301
FBinsure - New Bedford Office
3263 Acushnet Ave, New Bedford, MA 2745
Bender Hatch Insurance
31 Milk Street, Suite 420, Boston, MA 2109
Claremont Insurance Agency Inc.
319 Broadway, Revere, MA 2151
Spataro & Bellino Insurance
156 Maverick Street, East Boston, MA 2128
Derek Witham Insurance Agency, Inc.
269 Broadway, Malden, MA 2148
RM Cataldo
900 Broadway Unit C, Revere, MA 2151
Pella Insurance Agency Inc
585 Washington Street, Brighton, MA 2135
MTM Insurance Associates, LLC
1320 Osgood St, North Andover, MA 1845
Metro South Insurance
835 Dorchester Ave, Dorchester, MA 2125
Ann M. Foley Insurance Agency Inc.
657 Gallivan Blvd., Dorchester, MA 2124
Ironside Insurance Group
112 Water Street, Suite 401, Boston, MA 2109
Warren Insurance Agency
764 Blue Hill Ave, Dorchester, MA 2124
Christopher Kokoras Insurance Agency, Inc.
1394 Commonwealth Ave, Allston, MA 2134
Frank Smith Insurance & Real Estate
246 Gardners Neck Road, Swansea, MA 2777

Massachusetts Homeowners Insurance Agency FAQs

  • Can insurance companies in Massachusetts refuse to renew homeowners' policies?

    According to Massachusetts law, insurance carriers cannot renew homeowners' insurance. They must notify policyholders for at least 45 days if they decide not to renew their policy. Insurance companies are only required to send first-class mail to inform policyholders. They are not required to send clients a certified mail notice.

  • In Massachusetts, if you cannot purchase homeowners' insurance from independent insurers, where else can you buy one?

    If independent carriers in Massachusetts cannot provide you with homeowners' insurance, you can acquire one through the Property Insurance Underwriting Association. This plan offers home insurance coverage for individuals who cannot find policies in the voluntary insurance market. You can reach the FAIR Plan by calling (617) 723-3800 or 1-800-392-6108.

  • In Massachusetts, how much does homeowners' insurance cost on average?

    The average cost of homeowners' insurance in Massachusetts is $1,518 a year, or $127 per month. This average insurance premium is significantly less than the national average of $2,777. However, policyholders living in coastal areas may pay higher insurance premiums due to high hurricane damage risks.

  • How does inflation affect homeowners' insurance rates in Massachusetts?

    Inflation in Massachusetts affects homeowners' insurance rates due to rising construction costs and a shortage of building materials. According to the National Association of Home Builders’ annual survey, from June 2020 to May 2021, there was an average 26% rise in the cost of shingles, copper wiring, and drywall.

  • Does Massachusetts homeowners' insurance depend on the value of the property?

    No. In Massachusetts, the premium for homeowners' insurance is determined by the cost of replacing the house and its contents, not by the property's worth. Since land is also included in the property value, you may speak with your agent to determine the cost of your insurance.

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