The Best Homeowners Insurance in Massachusetts [2023]


Find a top-ranked Homeowners Insurance Agency in your area

As the first colony to ratify a constitution, Massachusetts has been a model state for the rest of the U.S. for centuries. But did you know that it’s also got some of the best homeowners insurance rates in the country?

If you own a home or are considering buying in Massachusetts, you’re likely to find a great rate on average. However, finding the best coverage that matches your needs will take some shopping around.

To remove the guesswork from finding the right provider, we at have analyzed a handful of the best homeowners insurance companies. We’ll uncover everything to know about homeowners insurance in Massachusetts, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Massachusetts

The average cost of homeowners insurance in Massachusetts is $1,259 per year according to, well below the national $2,777 average.

Although the average Bay State policyholder enjoys lower premiums, homeowners insurance costs in Massachusetts can differ vastly based on a few key factors:

  • The age of your home: If your Massachusetts home is older, it may be more at risk of more structural wear and tear. 

  • The square footage of your home: How big is your home? In general, larger homes are more expensive to insure.

  • The materials used to build your home: Was your Massachusetts home built using materials that are susceptible to rotting or structural damage?

  • Building costs in your area: Insurance deals with repairs and replacement costs, so coverage increases with higher building costs.

  • Your location: How close are you to the water or the coastline? What are crime rates like? How close are you to a fire department? 

  • Any additional features: Does your house have a swimming pool or hot tub that could be a risk for guests? Do you have pets, and if so, what are their breeds? Insurers consider these things when assessing prices.

  • Your deductible: A higher deductible lowers your premium, but filing a claim may cost you more. Ask your insurance provider about how to reduce your deductibles to get the best plan that suits your budget.

  • Your claims history: Home insurance companies may charge you higher coverage costs if you have a history of filing claims. Alternatively, you may be eligible for discounts or a claims-free deductible if you have no filing history.

Massachusetts Homeowners Insurance Rates by City

Although Massachusetts is a small state by area, the cost of your homeowners insurance policy can also vary greatly depending on where you live.

Below is a breakdown of the average annual rate by city:


Average Annual Rate






New Bedford




The Best Homeowners Insurance in Massachusetts

After extensive research, we at found the following insurance agencies to provide the best, comprehensive coverage in Massachusetts:

Amica Logo


Average Annual Rate: ~$1,400

Notes: Regional provider with outstanding customer service marks, offers a unique dividend on your premium

Allstate logo


Average Annual Rate: ~$1,100

Notes: Customer-friendly rates and great online resources, but fewer customization choices

State Farm logo

State Farm

Average Annual Rate: ~$1,200

Notes: Good option for new homeowners, but no flood insurance in Massachusetts

USAA logo


Average Annual Rate: ~$1,000

Notes: Great customer satisfaction and custom policy options, but only available to military and veterans

Travelers logo


Average Annual Rate: ~$1,300

Notes: Excellent personalized coverage and deductible options, but fewer discounts

Quincy Mutual

Quincy Mutual

Average Annual Rate: ~$900

Notes: Affordable regional insurer with solid customer satisfaction scores

Cheapest Homeowners Insurance in Massachusetts

The cheapest homeowners insurance coverage in Massachusetts is Quincy Mutual for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Keep in mind that home insurance rates vary depending on each person’s unique situation, and the cheapest policy may not have all the coverage you require. Still, if cost is your top consideration, start by checking Quincy Mutual’s coverage options in your area.

Searching on phone

Find Cheap Homeowners Insurance in Your Area


Below, we answer some common questions to help you make a more informed decision about which homeowners insurance to choose in Massachusetts.

How to Reduce Homeowners Insurance Costs in Massachusetts

As we’ve noted,  your homeowners insurance coverage price can vary substantially across the insurance industry.

Here are a few smart ways to reduce costs:

  • Increase your deductible. This can reduce monthly payments to your insurer, but may mean paying more out-of-pocket if you make a claim. Similarly, paying your 6-month or 1-year premium in full will lower monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save up to 10-25% on your premiums in Massachusetts. Ask your insurance provider about which home and car insurance bundling options can help you save the most.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Install impact-resistant windows.

    • Get a burglar alarm and/or deadbolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Clear your home of things that are considered “high risk.” For example, if your kids went off to college, it may be time to throw out that trampoline in the backyard.

  • Seek out other discounts. Insurance savings can come from unexpected places, for example:

    • Do you work from home? Insurance providers may view you as less prone to theft or more likely to spot a fire or leak sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Opting for paperless billing instead of snail mail can help you save!

  • Keep good credit. A lender may check your credit history and charge less if you show good financial strength and standing.

As always, consult a local agent to see which of the above discounts you qualify for.

Massachusetts Insurance Options in Your City

At, our goal is to connect Massachusetts residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 15 best homeowners insurance agencies here

Learn more about the best homeowners insurance options in your respective Massachusetts city below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.