The average cost of homeowners insurance in Boston is $1,467 per year or $122 a month. This is 15% higher than the statewide average, but 16% lower than the national average of $1,754.
However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Boston.
Compare the best cheap homeowners insurance companies in Boston
The best home insurance companies in Boston are Andover Companies, MAPFRE, Safety, Amica, and Chubb.
To find the best cheap homeowners insurance in Boston, Policygenius rated over a dozen insurance companies in Massachusetts across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.
Company | Average monthly cost | Policygenius rating | |
|---|---|---|---|
$133 | 4.9 out of 5 | ||
$102 | 4.9 out of 5 | ||
$94 | 4.7 out of 5 | ||
$164 | 4.6 out of 5 | ||
$167 | 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.
2025 Policygenius award winner
The Andover Companies
4.9
Offers extended replacement cost
Bundle home & auto
Good student discount
New homebuyer discount
Why we chose it
While rates are more expensive than average in Boston, the Andover Companies is the best home insurance company in Boston for its outstanding customer service, useful coverage options.
Pros and cons
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
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
Rates are more expensive than average in Boston
More details
Why we chose it
We chose the Andover Companies as the best home insurance company in Boston 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 Boston average?
The average cost of home insurance from Andover Companies in Boston is $1,600 per year, which is 9% more expensive than the citywide average.
How to get quotes
You can get an Andover home insurance quote by contacting a local agent through the company's website.
2025 Policygenius award winner
MAPFRE Insurance
4.8
Bundle home & auto
Offers extended replacement cost
Offers classic car insurance
Mobile app
Why we chose it
MAPFRE Insurance is a top insurer in Boston for its wide range of home insurance coverage add-ons, fewer customer complaints than other insurers, and affordable rates.
Pros and cons
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 details
Why we chose it
MAPFRE is one of the best home insurance companies in Boston, 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 Boston?
The average cost of MAPFRE home insurance in Boston is $1,227 per year, which is 16% cheaper than the citywide average.
How to get a quote
You can get a MAPFRE Insurance home insurance quote online or through a local agent.
2025 Policygenius award winner
Safety Insurance
4.7
Bundle home & auto
Insures older homes
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Safety Insurance offers affordable, robust home insurance with excellent customer service and financial stability ratings to homeowners in Boston.
Pros and cons
Pros
Excellent coverage add-ons, including water backup, service line, equipment breakdown, and ordinance or law
Receives fewer complaints than expected for its size
Much cheaper than average in Boston
Cons
Doesn’t offer flood insurance — a valuable coverage for New England homeowners
More details
Why we chose it
Safety Insurance is one of the best home insurance companies in Boston. 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 Boston?
The average cost of Safety home insurance in Boston is $1,129 per year, which is 23% cheaper than the city's average annual premium.
How to get a quote
You can get a Safety home insurance quote by contacting an agent.
2025 Policygenius award winner
Amica
4.6
Why we chose it
Amica is the best home insurance company in Boston 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 cons
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 Boston
More details
Why we chose Amica
Amica is the best insurance company for customer service in Boston. 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 Boston?
The average cost of Amica home insurance in Boston is $1,962 per year, which is 34% more expensive than the citywide average.
How to get a quote
Online through Amica
2025 Policygenius award winner
Chubb
4.3
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 it
Chubb is the best home insurance company in Boston 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 cons
Pros
Extended replacement cost coverage
Cash-out claim settlements
Complimentary wildfire and hurricane mitigation services
Cons
Below-average J.D. Power customer satisfaction ratings
Much more expensive than average in Boston
More details
Why we chose Chubb
Chubb is the best home insurance company in Boston 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 Boston average?
The average cost of home insurance from Chubb in Boston is $2,000 per year, which is 36% more expensive than the citywide average.
How to get a quote
Online through Chubb
How much is homeowners insurance in Boston?
The average cost of homeowners insurance in Boston is $1,467 per year, or $122 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Boston is 15% more expensive than the Massachusetts average of $1,275.
Boston home insurance rates by ZIP code
To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Boston.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
02128 | $1,407 | 10% |
02127 | $1,547 | 21% |
02115 | $1,542 | 21% |
02118 | $1,603 | 26% |
02215 | $1,466 | 15% |
02116 | $1,488 | 17% |
02114 | $1,372 | 8% |
02111 | $1,481 | 16% |
02113 | $1,405 | 10% |
02210 | $1,547 | 21% |
Cheapest ZIP codes for home insurance in Boston
With an average home insurance rate of $1,367 per year, the 02108 ZIP code is the most affordable area for home insurance in Boston. The cost of home insurance in this area is 7% more expensive than the statewide average in Massachusetts.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
02108 | $1,367 | 7% |
02109 | $1,371 | 8% |
02114 | $1,372 | 8% |
02110 | $1,397 | 10% |
02113 | $1,405 | 10% |
02128 | $1,407 | 10% |
02163 | $1,452 | 14% |
02133 | $1,453 | 14% |
02203 | $1,464 | 15% |
Most expensive areas for homeowners insurance in Boston
With an average home insurance rate of $1,603 per year, the 02118 ZIP code is the most expensive area for home insurance in Boston. Rates here are 25% more expensive than Massachusetts's average.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
02118 | $1,603 | 26% |
02222 | $1,566 | 23% |
02127 | $1,547 | 21% |
02210 | $1,547 | 21% |
02115 | $1,542 | 21% |
02116 | $1,488 | 17% |
02111 | $1,481 | 16% |
02199 | $1,478 | 16% |
02215 | $1,466 | 15% |
Learn more >> Home insurance rates by ZIP code
Boston home insurance costs by coverage amount
Dwelling coverage protects the physical structure of your home against covered losses, and you should have enough of it to fully replace your home, while personal liability coverage covers medical bills or legal fees in the event someone is injured on your property.
Typically, your level of dwelling coverage has more of an effect on your policy's rate than your personal liability coverage.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $766 |
$200,000 | $1,123 |
$300,000 | $1,467 |
$400,000 | $1,881 |
$500,000 | $2,293 |
Boston home insurance costs by deductible amount
Your deductible is the set amount you have to pay on each claim before your insurance kicks in. Unlike medical deductibles, which are paid over the course of a year, home insurance deductibles are paid for every claim you make.
Usually, lower deductibles come with higher insurance rates, but, as seen in the table below, the average rate for a policy with a $500 deductible is actually $346 lower than the $2,000 option.
Deductible | Average annual cost |
|---|---|
$500 | $1,449 |
$2,000 | $1,795 |
Cheapest homeowners insurance companies in Boston
We found that the cheapest homeowners insurance companies in Boston are Quincy Mutual, Foremost, Safety Insurance, UPC, and Plymouth Rock. That said, your rates depend on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.
Company | Average annual cost |
|---|---|
Quincy Mutual Group | $995 |
$1,123 | |
$1,129 | |
$1,171 | |
$1,175 | |
Vermont Mutual | $1,212 |
$1,227 | |
$1,342 | |
$1,351 | |
$1,497 | |
$1,600 | |
$1,962 | |
$2,000 | |
$2,271 | |
$2,923 |
Cheapest home insurance in Boston if you have an older home
It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often made with with materials and features that would be more expensive to replace after a claim.
The cheapest home insurance rates in Boston for an older home come from Quincy Mutual, which has an average cost of $1,068 per year.
Company | Average annual cost |
|---|---|
Quincy Mutual Group | $1,068 |
Foremost | $1,119 |
Safety Insurance | $1,129 |
MAPFRE Insurance | $1,136 |
UPC Insurance | $1,171 |
Vermont Mutual | $1,212 |
Narragansett Bay | $1,342 |
USAA | $1,395 |
The Andover Companies | $1,600 |
Plymouth Rock | $1,667 |
Arbella Insurance | $1,699 |
Chubb | $2,000 |
Amica | $2,165 |
Pure Insurance | $2,271 |
The Hanover | $4,795 |
Cheapest homeowners insurance in Boston if you have a history of claims
Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.
We found that UPC offers the cheapest home insurance rates in Boston for someone with three claims in a five-year period.
Company | Average annual cost |
|---|---|
UPC Insurance | $906 |
Quincy Mutual Group | $1,122 |
MAPFRE Insurance | $1,380 |
Safety Insurance | $1,459 |
Narragansett Bay | $1,496 |
Vermont Mutual | $1,505 |
The Andover Companies | $1,600 |
Arbella Insurance | $1,825 |
USAA | $2,230 |
Chubb | $2,859 |
Pure Insurance | $3,370 |
Foremost | $3,731 |
Amica | $4,334 |
Plymouth Rock | $4,559 |
The Hanover | $6,278 |
Coverage options in Boston
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 Boston, you should be sure you're protected against flooding and wintry weather.
Flood insurance
Homeowners insurance doesn't cover damage from floods, but for coastal homes flood insurance could be essential. You should consider getting a flood insurance policy if you live in a low-lying part of the city.
Some companies offer flood endorsements or even separate flood insurance policies. Boston 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
Boston'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 get homeowners insurance quotes in Boston
With so many options to consider, deciding on the right homeowners insurance for your needs can seem like an overwhelming task, but it doesn’t have to be. Below are some easy steps you can take to be on your way to a new policy in no time:
Frequently asked questions
How can I save money on my homeowners insurance?
Many insurers offer discounts for bundling policies, going from year to year without making a claim, and adding safety features to your home. Ask your Policygenius agent about more discounts you can apply to your new policy.
Why is insurance in my ZIP code more than others in Boston?
Insurance rates fluctuate from one part of the city to the next based on factors such as crime, proximity to flood zones, and amount of coverage required for the value of the home.
What is the best average rate in Boston?
Safety Insurance has some of the best rates in the city even if you own a pool or a dog breed considered to be dangerous.
Is my shed covered under my dwelling coverage?
No, dwelling insurance covers only the structures that are attached to your house. Your policy’s other structures coverage provides a limited amount of protection for detached structures on your property, such as sheds, fences, and detached garages.
