Best and Cheapest Home Insurance in Massachusetts

The average cost of homeowners insurance in Massachusetts is $1,864 per year.

There are lots of home insurance companies to choose from in Massachusetts, which is why it's important to narrow down your options when shopping for home insurance. We compiled customer satisfaction scores and thousands of quotes from ZIP codes across the state to find out which insurers do the best job of delivering affordable, effective coverage.

Best cheap home insurance in Massachusetts

Cheapest home insurance in Massachusetts

The cheapest home insurance in Massachusetts comes from Quincy Mutual. At $861 per year, a policy is $1,003 cheaper than the statewide average and $208 less than the second-cheapest insurer, Vermont Mutual.

We gathered quotes in each of the ZIP codes in Massachusetts and found that the average price of homeowners insurance is $1,864 per year. That's $369 more expensive than the U.S. average cost of $1,495.

Massachusetts homeowners who prefer to buy home insurance from a national company should consider Travelers, which is $383 per year cheaper than the statewide average.

Best for most people: Quincy Mutual

The best homeowners insurance company for most people in Massachusetts is Quincy Mutual, which has an average price of $861 per year — less than half the cost of the average home insurance policy in the state. You may also qualify for discounts on your home insurance if you bundle with an auto policy. Quincy offers up to 30% off of your home insurance and 12% off of your car insurance when you bundle policies.

While Quincy has very high customer satisfaction, its policies don't allow for a substantial amount of personalization beyond a few add-ons. You can only add endorsements that protect your home against sewer backups, mechanical or electrical breakdown and service line damage. However, Quincy Mutual should be a top choice for you to consider if you only need basic coverage.

---

Best for high-value homes: Chubb

If you're the owner of a high-value property or someone with a high net worth, you should consider buying homeowners insurance from Chubb. With an average rate of $2,622 per year, it's one of the most expensive insurers we found. However, Chubb's array of coverage options makes it an attractive option if you can afford it.

Homeowners insurance from Chubb comes with extended replacement cost coverage and a cash settlement option, which allows you to settle for a monetary payout if you decide not to rebuild your home in the event of a total loss.

Chubb also gives you the ability to get private flood insurance, but its price makes it best-suited to people who are able to pay for more expensive coverage. This flood coverage comes with up to $15 million in property coverage and replacement cost protection. You can also get up to $5,000 to protect your home against flood damage by placing sandbags or barriers around your home, and to move your belongings out of the danger zone when a flood warning threatens your home's location.

---

Best for antique homes: MAPFRE

If you're the owner of an antique home in Massachusetts, MAPFRE homeowners insurance will meet your needs the most effectively. MAPFRE's restorationist package is designed specifically for protecting properties like your antique house. It guarantees that any damage that your antique home experiences will be repaired with materials and construction true to its historical roots. This unique coverage also pays for the costs that arise from changes in building codes that require you to demolish or change parts of your home to comply with new regulations.

A policy from MAPFRE costs $2,012 per year, which is $148 more expensive than the statewide average. However, the benefits it offers for owners of antique homes may outweigh the cost if you experience a catastrophic loss.

---

Best-rated home insurance company: Amica

Homeowners in Massachusetts who value an excellent customer service experience should consider Amica. According to the National Association of Insurance Commissioners (NAIC), Amica only gets half as many complaints as an average insurer when adjusted for size. It also earned top marks on J.D. Power's annual customer satisfaction survey.

While Amica isn't the cheapest insurer in our study, its average rate is $1,844 per year, which is slightly cheaper than the statewide average. The company offers a number of optional coverages that Massachusetts homeowners may find useful, including:

---

Massachusetts home insurance rates by city

Massachusetts home insurance rates can vary depending on where you live. Homeowners in Williamstown pay $1,084 per year on average for insurance, while those in Chilmark pay $5,065 for the same coverage. That's a difference of $3,981per year.

Homes located on the southern coast of Massachusetts cost more to insure than those located inland due to coastal storms.

Best home insurance companies in Massachusetts

Amica earned top scores from J.D. Power and only gets about half as many complaints as other insurers of its size. Homeowners who value high-quality service should also consider comparing quotes from Norfolk & Dedham, Quincy Mutual and USAA.

Most common homeowners insurance perils in Massachusetts: Hurricanes and nor'easters

As a coastal state, Massachusetts is affected by Atlantic hurricanes. Fortunately, because of the low temperatures of the ocean compared to the state's southern neighbors, the hurricanes that reach Massachusetts are often the remnants of stronger storms. However, these storms still bring high amounts of rainfall and flooding to the state.

Massachusetts can often experience nor'easters during the winter, too. These strong storms resemble hurricanes and are capable of producing heavy snow, wind and coastal flooding.

A typical homeowners policy covers wind damage and harm from falling objects, like snow or ice. But nor'easters are also known for contributing to coastal erosion — a disaster often excluded from coverage by home insurance policies. If your property sits on a sandy foundation, you should talk to your insurance agent about how to bolster your policy to protect yourself from the worst-case effects of a nor'easter or hurricane.

Frequently asked questions

Methodology

Our survey of home insurance quotes in Massachusetts included estimates from 11 of the state's largest insurance providers. For each company, we collected quotes from every ZIP code in the state. The sample property we used to generate each quote was built in 1961 to correspond to Massachusetts' median building year, and includes $381,600 of dwelling coverage — the median value of owner-occupied homes in the state.

We included these insurers in our study:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We determined customer service ratings by analyzing National Association of Insurance Commissioners (NAIC) complaint index scores, J.D. Power's 2021 home insurance customer satisfaction survey rankings and our own ValuePenguin editor's ratings.