Best homeowners insurance in Massachusetts (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Massachusetts.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
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Reviewed by

Ian Bloom, CFP®, RLP®Ian Bloom, CFP®, RLP®Certified Financial PlannerIan Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

Updated|4 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Massachusetts is the most populated state in New England and offers something for everyone, which is what makes it a desirable place to live. With home insurance rates below the national average, homeowners have one more reason to enjoy living in Massachusetts.

The average cost of homeowners insurance in Massachusetts is $1,275 per year or $106 a month. This is 27% cheaper than the national average of $1,754 per year. 

But there are other factors you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Massachusetts.

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UPDATE: Home insurance premiums up 15% in Massachusetts

Home insurance premiums in Massachusetts increased nearly 15% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is due to a mix of rising construction costs, labor shortages, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks.

You can find all of the details in our 2023 Policygenius Home Insurance Pricing Report

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Compare the best homeowners insurance companies in Massachusetts

We found that the best homeowners insurance companies in Massachusetts are AndoverMAPFRESafetyAmica, and Chubb.

Policygenius decided on the best insurance company after analyzing thousands of quotes Massachusetts insurers. We then looked at 2022 J.D. Power customer satisfaction scores and compared that with the coverage needs of Massachusetts residents to find the best homeowners insurance in the Bay State.

Company

Average monthly cost

Policygenius rating

The Andover Companies

$103

4.9 out of 5

MAPFRE Insurance

$98

4.8 out of 5

Safety Insurance

$104

4.7 out of 5

Amica

$144

4.6 out of 5

Chubb

$123

4.3 out of 5

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in Massachusetts

We don't sell your information to third parties.

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2024 Policygenius award winner

The Andover Companies

The Andover Companies logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Good student discount

New homebuyer discount

Why we chose itchevron icon

The Andover Companies is the best home insurance company in Massachusetts for its outstanding customer service, useful coverage options, and cheaper rates than average.

Pros and conschevron icon

Pros

  • Excellent customer service and financial strength ratings

  • Choose from plenty of coverage add-ons, including water damage, equipment breakdown, cyber, business property, and identity theft protection

  • Cheaper rates than average in Massachusetts

Cons

  • No online quote tool or mobile app for managing your policy

  • Can’t file claims online — must call or visit your local agent in person

More detailschevron icon

Why we chose it

We chose the Andover Companies as the best home insurance company in Massachusetts in part because of its extensive coverage offerings. You can add a range of coverages to a basic policy, including guaranteed replacement cost for your home, replacement cost for other structures and your property, water backup protection, service line coverage, and more.

Andover Companies also has a stellar customer service record. According to the National Association of Insurance Commissioners, Andover Companies receives only a fraction of complaints compared to average.

How do Andover Companies home insurance rates compare to the Massachusetts average?

The average cost of home insurance from Andover Companies in Massachusetts is $1,324 per year, which is 3% cheaper than the statewide average.

How to get quotes

You can get an Andover home insurance quote by contacting a local agent through the company's website.

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2024 Policygenius award winner

MAPFRE Insurance

MAPFRE Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers classic car insurance

Mobile app

Why we chose itchevron icon

MAPFRE Insurance is a top insurer in Massachusetts for its wide range of home insurance coverage add-ons, fewer customer complaints than other insurers, and affordable rates.

Pros and conschevron icon

Pros

  • Cheaper rates than average in Massachusetts

  • Perks include cash-settlement option and a deductible waiver for claims over $50,000

  • Special program that pays to restore your historical home using authentic materials

Cons

  • Only offers four discounts to save on costs — fewer than other home insurance companies

More detailschevron icon

Why we chose it

MAPFRE is one of the best home insurance companies in Massachusetts, especially if you own a historic home. MAPFRE's historic home restoration coverage pays to rebuild your home with authentic materials using restoration specialists and pre-vetted contractors — regardless of your policy's limits.

We also like the other coverages that MAPFRE offers. These include guaranteed replacement cost coverage for your home, replacement cost coverage for your property, and water backup protection, as well as a cash-settlement option, deductible waiver, and self-service claims program.

How do MAPFRE home insurance rates compare to average in Massachusetts?

The average cost of MAPFRE home insurance in Massachusetts is $1,179 per year, which is 8% cheaper than the statewide average.

How to get a quote

You can get a MAPFRE Insurance home insurance quote online or through a local agent. 

award icon

2024 Policygenius award winner

Safety Insurance

Safety Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Insures older homes

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Safety Insurance offers affordable, robust home insurance with excellent customer service and financial stability ratings to homeowners in Massachusetts.

Pros and conschevron icon

Pros

  • Excellent coverage add-ons, including water backup, service line, equipment breakdown, and ordinance or law

  • Receives fewer complaints than expected for its size

  • Slightly cheaper than average in Massachusetts

Cons

  • Doesn’t offer flood insurance — a valuable coverage for New England homeowners

More detailschevron icon

Why we chose it

Safety Insurance is one of the best home insurance companies in Massachusetts. Safety's rates are just a little cheaper than average in the state, but Safety also offers discounts that could help homeowners lower their rates even more. Among these discounts is one for bundling home and auto insurance (up to 20%).

Besides affordable rates and discounts, Safety also offers a range of coverage options that residents can add to a basic policy. Some of Safety's coverage options include extended replacement cost coverage for your home, water backup protection, equipment breakdown, and service line coverage.

How do Safety home insurance rates compare to the average in Massachusetts?

The average cost of Safety home insurance in Massachusetts is $1,245 per year, which is 2% cheaper than the state's average annual premium.

How to get a quote

You can get a Safety home insurance quote by contacting an agent.

award icon

2024 Policygenius award winner

Amica

Amica home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Amica is the best home insurance company in Massachusetts if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.

Pros and conschevron icon

Pros

  • Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

  • Lots of coverage add-ons, including extended replacement cost coverage

  • Unique dividend policy option to earn up to 20% back on insurance premiums each year

Cons

  • Much more expensive than average in Massachusetts

More detailschevron icon

Why we chose Amica

Amica has the best customer service ratings of any insurer in Massachusetts. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and 20% fewer complaints according to the National Association of Insurance Commissioners than other companies.

Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.

Finally, Amica offers a unique dividend perk that could help you lower the cost of your home insurance. If you buy a dividend policy instead of a basic policy, you could earn back between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.

How do Amica home insurance rates compare to average in Massachusetts?

The average cost of Amica home insurance in Massachusetts is $1,729 per year, which is 36% more expensive than the statewide average.

How to get a quote

Online through Amica

award icon

2024 Policygenius award winner

Chubb

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Offers flood insurance

Offers extended replacement cost

Offers wildfire insurance

Smart home discounts

Bundle home & auto

Mobile app

New homebuyer discount

Why we chose itchevron icon

Chubb is the best home insurance company in Massachusetts for people with high-value and luxury homes, as well as other assets that need to be insured, like boats and luxury cars.

Pros and conschevron icon

Pros

  • Extended replacement cost coverage

  • Cash-out claim settlements

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Below-average J.D. Power customer satisfaction ratings

  • More expensive than average in Massachusetts

More detailschevron icon

Why we chose Chubb

Chubb is the best home insurance company in Massachusetts for high-value homes. While it's more expensive than average, Chubb's coverage offerings and specialized features make it our top pick for high-net worth individuals.

Chubb offers a range of robust coverages on top of its basic home insurance protections. These add-ons include extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup coverage, blanket personal property coverage, equipment breakdown coverage, and more.

You can also get a few special features with Chubb, like property manager services for a second home, high-tech home inspections, and personalized claims services.

How do Chubb home insurance rates compare to the Massachusetts average?

The average cost of home insurance from Chubb in Massachusetts is $1,471 per year, which is 15% more expensive than the statewide average.

How to get a quote

Online through Chubb

How much is homeowners insurance in Massachusetts?

The average cost of homeowners insurance in Massachusetts is $1,275 per year, or $106 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in the Bay State is $479 cheaper than the national average per year.

Massachusetts homeowners insurance rates by city

We calculated the cost of home insurance in Massachusetts's largest cities and found that Medford is the cheapest big city for homeowners insurance in the state, while Brockton is the most expensive.

Here’s a look at the average cost of home insurance in the 20 largest cities in Massachusetts.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Boston

$122

$1,467

15%

Worcester

$108

$1,299

2%

Springfield

$113

$1,359

7%

Cambridge

$100

$1,197

-6%

Lowell

$101

$1,209

-5%

Brockton

$139

$1,670

31%

Quincy

$112

$1,343

5%

Lynn

$129

$1,553

22%

New Bedford

$138

$1,652

30%

Fall River

$125

$1,502

18%

Lawrence

$117

$1,398

10%

Newton

$96

$1,153

-10%

Somerville

$99

$1,188

-7%

Framingham

$98

$1,176

-8%

Haverhill

$100

$1,205

-5%

Medford

$95

$1,135

-11%

Malden

$96

$1,146

-10%

Waltham

$96

$1,152

-10%

Taunton

$116

$1,391

9%

Revere

$138

$1,660

30%

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Massachusetts homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Massachusetts for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$663

$200,000

$979

$300,000

$1,275

$400,000

$1,599

$500,000

$1,945

Compare home insurance rates in Massachusetts

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Cheapest homeowners insurance companies in Massachusetts

Based on our analysis of home insurance rates in every one of the state's ZIP codes, we found that Quincy MutualUPCFarmersVermont Mutual, and Plymouth Rock have the cheapest average home insurance rates in Massachusetts.

Company

Average annual cost

Quincy Mutual

$854

UPC Insurance

$1,005

Farmers

$1,054

Vermont Mutual

$1,126

Plymouth Rock

$1,132

Narragansett Bay

$1,169

MAPFRE Insurance

$1,179

The Andover Companies

$1,238

Safety Insurance

$1,245

Arbella

$1,248

USAA

$1,307

Chubb

$1,471

Amica

$1,729

The Hanover

$1,775

Pure Insurance

$1,802

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Cheapest Massachusetts homeowners insurance if you have an older home

It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.

With an average annual premium of $917, Quincy Mutual offers the cheapest home insurance rates in Massachusetts for a home over 100 years old.

Company

Average annual cost

Quincy Mutual

$917

UPC Insurance

$1,013

Farmers

$1,046

MAPFRE Insurance

$1,113

Vermont Mutual

$1,126

Narragansett Bay

$1,169

The Andover Companies

$1,238

Safety Insurance

$1,245

USAA

$1,253

Chubb

$1,471

Arbella

$1,571

Plymouth Rock

$1,668

Amica

$1,964

Pure Insurance

$2,122

The Hanover

$4,010

Collapse table

Cheapest Massachusetts homeowners insurance if you have a history of claims

Claims history is one of the most important factors insurers use when determining home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.

With an average annual premium of $672, UPC offers the cheapest home insurance rates in Massachusetts for someone that's filed three claims within a five-year period.

Coverage options in Massachusetts

When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.

Before you buy homeowners insurance in Massachusetts, you should be sure you're protected against flooding and wintry weather.

Flood insurance

Homeowners insurance doesn't cover damage from floods. Although only a little more than 2% of homes in Massachusetts have flood insurance, you should consider getting a flood insurance policy if you live near the coast or in a low-lying part of the state.

Some companies offer flood endorsements or even separate flood insurance policies. Massachusetts homeowners can compare private flood insurance companies in the state with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program (NFIP).

Insurance for wintry weather

Massachusetts's winters could lead to conditions that damage your home, like heavy snow and fierce winds. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.

That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.

How to buy homeowners insurance in Massachusetts

Even if you already know what you want out of a company and policy, it’s still important to shop around to see who has the best homeowners insurance to suit your needs. Here are a few tips that will come in handy when you shop for homeowners insurance in Massachusetts.

5 steps to shopping for homeowners insurance in Massachusetts

  1. Reach out to a licensed Policygenius agent. Whether you have questions about what coverage is best for you or you need help deciding between a couple of different policy options, our team of licensed insurance experts are available to help. Our service is free of charge and will not impact your credit score.

  2. Consider special coverage options. Massachusetts is a diverse state with high-value homes by the coast, as well as historic houses in bigger cities. Ask a Policygenius expert if there are special coverage options you should consider adding to your policy.

  3. Ask about MPIUA insurance – Massachusetts' FAIR plan provider. If you’re denied coverage by several insurance companies due to your home’s damage or liability risk, consider last-resort coverage with the MPIUA.

  4. Figure out your deductible amount. If you don’t foresee yourself having to file many claims, consider a higher policy deductible to save money on insurance premiums

  5. Compare quotes from a Policygenius agent. A Policygenius expert can go through your quotes to help you decide on a policy that is both affordable and provides the best possible coverage.

  6. Choose your policy, sign it, and pay your first premium. Your Policygenius agent can help with all of the paperwork involved with your new policy, as well as direct you in making your first payment. 

Compare home insurance rates in Massachusetts

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Frequently asked questions

Will my insurance cost more if I have a pool on my property?

While not all companies increase rates for pool owners, some do see pools as a liability. There are many factors that go into determining the cost of insurance, however, and you can still find affordable coverage if you shop around.

Why does the average cost of insurance vary so much in Massachusetts?

Like many states, Massachusetts has a variety of people and homes with different factors which determine insurance rates. Homes by the ocean are more susceptible to wind damage, while larger houses in the suburbs may need more dwelling coverage.

Why should I use a Policygenius agent when shopping for insurance?

The experts at Policygenius take the stress out of shopping for insurance. They can help to determine how much coverage you need and then assist in preparing quotes and completing your paperwork.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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