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Best Renter's Insurance Companies in Cambridge, MA

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cambridge Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

426 Main Street Suite 2, Stoneham, MA 02180 Rating

Review Sources

4.9 (88)
5.0 (14)
5.0 (6)

Why choose this provider?

LoPriore Insurance Agency, Inc., is an independent company serving individuals, families, and business owners in the Cambridge metro. It helps clients obtain renters' insurance plans to protect them and their investment properties from unforeseen events, such as theft and fire. The business offers personal property, liability, full replacement option, and additional living expense coverages. It also handles homeowners' and contractors' liability policies. Founder and president John LoPiore has been in the insurance industry for 25 years.

  • Multiple Policy Types

1361 Cambridge St., Cambridge, MA 02113 Rating

Review Sources

4.2 (42)
3.4 (8)
5.0 (7)

Why choose this provider?

Kaplansky Insurance has been serving the Cambridge community since 1974. It assists clients in finding renters' insurance plans that cover damages and loss and provides liability coverage for accidents inside the rented spaces. Its commercial insurance options cover business owners, builders' risks, and general liability. The agency also has a wide range of financial services, including retirement planning, disability income, long-term care plans, and student loan management. Kaplansky Insurance is headed by Ely Kaplansky, a former chairman of the Massachusetts Association of Insurance Agents.

  • Multiple Carriers
  • Multiple Policy Types

54 Broadway, Norwood, MA 02062 Rating

Review Sources

5.0 (31)
3.0 (8)
5.0 (1)

Why choose this provider?

Affordable Insurance Agency, Inc., is a woman-owned business serving individuals and families in the Cambridge metro. It offers an array of personal lines of insurance, including customized renters' plans. The company helps tenants living in rental apartments and condominiums secure reimbursements for lost and damaged personal belongings caused by fire, vandalism, and theft. It also crafts coverages for motor and high-value homes. Founded in 1987, Affordable Insurance Agency represents multiple carriers, such as Travelers, Plymouth Rock, and The Hartford.

  • Multiple Carriers

506 Main St, Medford, MA 02155 Rating

Review Sources

5.0 (1)

Why choose this provider?

Marchionne Insurance is a fourth-generation family-owned business serving the Cambridge metro. It offers a wide range of personal lines of insurance, including renters' plans. The company creates coverages for tenants' personal belongings, including rings, watches, smartphones, laptops, and pocketbooks. It helps clients secure reimbursements for lost and damaged items caused by unexpected theft, storm, and fire. Its agents also provide life and auto insurance services. Marchionne Insurance has been in the industry for over 60 years.

  • Multiple Carriers

313 Washington St., Brookline, MA 02445 Rating

Why choose this provider?

Security Insurance Agency is a local company established in 1983. The company specializes in home and auto coverage for clients in and around the Cambridge metro. As an independent agency, the firm represents different carriers. It provides renters' insurance policies for people renting or subletting properties. This product covers the policyholder’s living expenses, liabilities, and belongings. It also offers other property protection products, including homeowners’, condominium, and apartment policies. General and special auto insurance services are also available.

  • Multiple Policy Types

One Broadway, Cambridge, MA 02142 Rating

Why choose this provider?

Surround Insurance is a local company providing financial products and insurance coverage to individuals and groups in and around the Cambridge metro. The company aims to provide technology-enabled financial services to modern consumers. It offers renters' insurance, which provides coverage to policyholders in the event of a robbery, fire, or structural damage. It also offers professional liability insurance for freelancers, which can cover errors or omissions in providing a service. Non-owned auto, biking, and walking coverage policies are also available.

  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
LoPriore Insurance Agency, Inc.
426 Main Street Suite 2, Stoneham, MA 02180
Kaplansky Insurance
1361 Cambridge St., Cambridge, MA 02113
Affordable Insurance Agency, Inc.
54 Broadway, Norwood, MA 02062
Marchionne Insurance
506 Main St, Medford, MA 02155
Security Insurance Agency Inc.
313 Washington St., Brookline, MA 02445
Surround Insurance
One Broadway, Cambridge, MA 02142


  • Should a student consider buying renter's insurance in Cambridge?

    It depends. A student residing in a Cambridge University campus dorm may still be covered by their parent's homeowners or renter's policy. However, students who live off campus may be required by their landlords to get renter's insurance. Such students may consider having insurance even though they may not have many expensive belongings. The cost of replacing personal belongings such as laptops, gadgets, and art equipment may add up substantially if stolen or damaged by fire.

  • Which is better for a renter in Cambridge, replacement cost or cash-value coverage?

    It depends. Replacement-cost coverage is usually more expensive than cash-value coverage. However, it will provide a higher payout when a claim is made. For example, if a laptop in Cambridge is stolen 10 years after its purchase, replacement-cost coverage will return the money used to buy it. On the other hand, cash-value coverage will only provide the current value of the stolen laptop.

  • Will you be required to have renter's insurance if you rent a Cambridge-City-assisted property?

    You cannot be required to spend more than 30% of your income on city-assisted property. This means you may not have renter's insurance if its cost plus the rental dues exceed 30% of your income. However, getting renter's insurance is generally recommended. For more questions, contact the Cambridge Housing Division at 617-349-4622 or send an email to

  • If you are renting in Cambridge, how can you insure expensive belongings?

    Most renter's insurance policies in Cambridge can be added with extra coverage, called scheduled personal property coverage. This add-on can provide financial protection for expensive items such as jewelry, musical instruments, high-end bikes, and top-of-the-line cameras. Some policies even cover incidents such as mysterious disappearances, which are so-called because the item's disappearance cannot be explained.

  • Does renter's insurance in Cambridge cost much?

    According to the guide from the MA Office of Consumer Affairs and Business Regulation, renter's insurance can cost around $15 to $30 monthly. The monthly premiums depend on the Cambridge zip code, the rental unit's size, and the value of the policyholder's belongings. The coverage limit is also a cost factor. Standard renter's insurance usually includes coverage for personal property and liability.

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