One of the 13 original colonies in the United States and home to the Boston Red Sox, the Bay State is home to nearly seven million people. Massachusetts is number one in the US for education funding, boasting some of the most outstanding schools in the world, which include the prestigious Massachusetts Institute of Technology (MIT) and Harvard University. With its rich history, residents and tourists flock to the Commonwealth of Massachusetts, seeking to learn about colonial and Native American history. They enjoy all the beautiful fall foliage while enjoying a bowl of clam chowder. 

After the fall leaves drift away, the chill of winter settles in. Massachusetts, being in New England, has some harsh winters. Winter weather and other seasonal events are harsh on residents’ homes, from  Great Barrington to Boston to Quincy. Do you live there already, or are you planning a big move? It will help if you can compare the best home insurance on the market.

Insurify can give you the right tools and free quotes to find homeowners insurance so you can have the right coverage for the “just in case.” Check out this easy way to find the best homeowners insurance now!

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How to Get Affordable Home Insurance in Massachusetts

Despite the turbulent economy, more people are looking for Massachusetts homes, making it a real seller’s market. It’s for an excellent reason—the state takes the top spot for best states to live in year after year, and crime rates are below the national average. Although there are higher living expenses, you can still find some affordable towns to reside in. Living in Massachusetts comes with a higher median household income than the national average, which is another plus to this great state. 

With the high cost of living comes affording and paying for a home you want to enjoy for many years. The risk of property damage and theft of personal belongings comes with owning a home—having the right home insurance coverage matters. 

You want to protect your precious belongings because you worked hard for what you have. Knowing your comprehensive coverage, coverage options, and personal liability is the first start when finding dwelling coverage

Let’s go over home insurance policies from insurance companies like Liberty Mutual, Allstate, and Amica and what works best for you. Read along so you can soon have Massachusetts home insurance and peace of mind.

Homeowners insurance quotes in Massachusetts by Company 

Homeowners insurance rates aren’t always designed with savings in mind. That’s where Insurify comes in.

As of 2020, the average home insurance premium in Massachusetts costs $1,177 annually, and the median home value is $433,883

With the cost of Massachusetts home insurance and property rates so high, it’s a wonder how you can keep up with the day-to-day. You still want to have money available for everything that happens in life. Luckily, you can find ways to save by comparing the average rates and the best home insurance policies available in Massachusetts

Average Home Cost in Massachusetts Average Annual Insurance Premium in Massachusetts
$433,883 $1,177

Homeowners Insurance Quotes in Massachusetts by City

Massachusetts residentshomeowners insurance rates will vary depending on the insurance products you need, insurance carriers, the type of home you live in, and the risk that it comes with. 

Rates will also vary, just like home prices, because rates differ from town to town and ZIP code to ZIP code. Each and every property in Massachusetts has a different level of risk depending on all these variables, plus crime rates in your area, home value, and the kind of weather you get. So those bone-chilling cold winter evenings or wind storms will affect your rates, depending on if your area is vulnerable or not. 

Rates in Massachusetts can be relatively high or low compared to the national average; it all depends on where you live, down to your town. Check out the most and least expensive ZIP codes in Massachusetts for home insurance.

Most Expensive Real Estate in Massachusetts  Cheapest Real Estate in Massachusetts
Edgartown $1,002,723 Athol $184,905
Cambridge $868,090 Somerset $317,750
Manchester-By-The-Sea $819,842 Longmeadow $360,601

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What does home insurance cover in Massachusetts?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:



  • The simplest and least comprehensive type of homeowners insurance
  • Provides coverage for a handful of potential problems, including
    • natural disasters (storms, fires, wind, lightning, volcanic eruption), 
    • explosions, 
    • theft, 
    • damage from vehicles, 
    • or civil commotion. 

Broad Form

  • Broad form homeowners insurance policies include all basic form coverage, plus protection from:
    • falling objects, 
    • damage from the weight of ice, snow, or sleet, 
    • freezing of household systems including HVAC and pipes, 
    • sudden and accidental damage to pipes and other household systems from artificially generated electrical current, 
    • accidental discharge or overflow of water or steam,
    • sudden and accidental damage. 
  • HO-2 policies typically cover both dwelling protection and personal property.
  • In some cases, broad form coverage may also include liability coverage. However, it still only covers the specific damages listed in the policy.

Special Form

  • The most common form of homeowners insurance is known as a “special form” policy.
  • While HO-1 and HO-2 policies are “named peril” policies (meaning they only cover dangers that are specifically listed in the policy), HO-3 policies are “open peril” policies meaning they’ll cover all dangers except those specifically excluded in the policy documents.

Tenant’s Form

  • HO-4 policies, also known as renters insurance, are for people who lease rather than own their homes. 
  • Tenant’s form policies typically cover all the same dangers as HO-2 policies. 
  • These policies include personal property coverage and liability coverage but don’t cover the physical structure of the house. 
  • Some HO-4 policies may also include loss of use coverage for the tenants.


  • Comprehensive form policies are usually the broadest and provide the highest level of coverage; not surprisingly, they also tend to be the most expensive type of homeowners insurance policies.
  • The biggest difference between HO-3 and HO-5 policies is that most HO-3 policies are “actual cash value” policies, whereas typically HO-5 policies are “replacement cost value” policies.
  • An actual cash value policy will only reimburse you for the actual value of a damaged or destroyed item, while a replacement cost value policy will reimburse you for however much it would cost to completely replace or repair the damaged or destroyed item (up to the coverage limits on the policy). 
  • HO-5 policies also provide personal property coverage against a wider range of dangers than the typical HO-3 policy. Many HO-5 policies also have extra coverage for high-value personal property, such as jewelry and artwork.

Condo Form

  • Not surprisingly, condo form insurance is for condominium owners. HO-6 policies generally protect against the same types of dangers as HO-3 policies. 
  • They provide dwelling protection coverage with a twist: HO-6 policies cover the walls, floors, and ceiling of the condo unit but not the rest of the building. 
  • These policies also include personal property and liability coverage and may include loss of use coverage.

Mobile Home Form

  • If you own a mobile home or manufactured home, you likely have an HO-7 policy. 
  • Mobile home form policies are typically identical to HO-3 policies, except they’re designed specifically for mobile and manufactured homes.
  • Like HO-3 policies, they provide dwelling protection coverage, other structures coverage, personal property coverage, liability coverage, and possibly loss of use coverage as well. 
  • HO-7 policies generally only protect the home when it’s stationary; if you plan to move your mobile or manufactured home, you’ll need to get a special policy to cover it while it’s in transit.

Older Home

  • Older homes have generally been built to less stringent code standards than recently built homes, and so insurers have designed a specialized type of homeowners insurance policy for them. 
  • HO-8 policies often only cover the basic perils listed in HO-1 policies and generally apply to homes that are registered landmarks or otherwise deemed historic homes. 
  • Owners of registered landmarks are typically forbidden from making the updates to HVAC, electrical, and other parts of the home that would enable them to qualify for a standard HO-3 policy, so an HO-8 policy is often the only option for them.

Natural Disasters in Massachusetts

Natural disasters happen everywhere, and Massachusetts is no exception. Crazy winter weather (like ice and snowstorms), tropical storms, coastal erosion, tornadoes, severe storms, and flooding can wreak havoc on certain parts of the state. 

There are some natural disaster activities you should be aware of before getting a home insurance quote in Massachusetts


Earthquakes are more common in Massachusetts than most people think. If you live in northeastern Massachusetts, you could feel a shake or two from frequent small earthquakes. In 1755, Cape Ann, Massachusetts, experienced the state’s most massive earthquake on record. Since Massachusetts homeowners insurance does not cover earthquake damage, it’s crucial to determine if you will need special earthquake insurance. You should speak with your local insurance agent about an applicable policy for earthquakes. 

Tropical & Winter Storms

October 2012’s Hurricane Sandy resulted in sizable damages in Massachusetts. High winds with the mix of a coastal storm surge caused water and electrical outages. Sandy caused over 159 deaths and cost $67.5 billion. Rain, wind, and hail pelted homes, which made the damage nearly irreparable. 

Massive winter storms are quite common in the northeast, including Massachusetts. Losses in 2015 winter storms exceeded over $1 billion and caused over 30 deaths in Massachusetts. Snow and ice can pile up on a property, creating damage to structures that require fixing or rebuilding. 

There are standard home insurance policies that cover damage from winter weather and intense storms. However, icequakes cause the ground to expand and damage homes, and ice surges can push ice sheets onto shore and damage properties. And while most policies cover hurricane damage, flooding is not generally covered on a standard policy.

Flooding in Massachusetts 

Tropical storms and winter storms raise the chance of flooding, which also affects your insurance premiums, depending on your area’s risk. Because flooding is not covered on a standard Massachusetts homeowners insurance policy, a separate policy will have to be purchased. You may live in an area at risk for flooding, so purchasing a separate policy through the National Flood Insurance Program (NFIP) is important. The NFIP provides insurance to help reduce the costs that could drain your wallet after a flood. Check with your local agent on questions about an applicable insurance policy

Massachusetts Homeowners Insurance FAQs

Is there homeowners insurance coverage for flooding in Massachusetts?

Flood insurance is not covered on a standard Massachusetts home insurance policy. Check out the National Flood Insurance Program for more information, and learn if you may need a separate flooding policy. 

Do home insurance companies combine home and auto insurance in Massachusetts?

Most of the best homeowners insurance companies combine home and auto insurance,  also known as “bundling.” You could save a significant amount of money by combining two or more insurance policies under one, so it’s worth checking out. 

Why are Massachusetts home insurance rates so high?

Insurance costs in Massachusetts depend on several different variables. From crime rates in your ZIP code to property type, home value, and more. If you’re thinking about moving, be sure to study to see which areas have the highest insurance costs. You may be surprised!

Special Home Insurance Situations in Massachusetts

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Massachusetts.

Cheapest Home Insurance for Houses Near a Fire Department in Massachusetts

Insurance Company Average Annual Premium
Allstate $825
Amica Mutual $1,125
Hanover $1,665
United P&C $1,088

Cheapest Home Insurance for Houses with Swimming Pools in Massachusetts

Insurance Company Average Annual Premium
Andover Companies $1,022
Encompass $1,427
Quincy Mutual $809
USAA $992

Cheapest Home Insurance for Houses Near the Coastline in Massachusetts

Insurance Company Average Annual Premium
Arbella $1,170
Metropolitan $1,197
State Farm $838
Safety Group $811

Conclusion: How to find the cheapest home insurance in Massachusetts

There’s nothing like going to watch the Red Sox play at Fenway on a crisp fall day (or any day) and seeing all the history of the Bay State at every turn. But when worrying about risks and finding the right home insurance kicks in, life becomes less enjoyable. Luckily, you have Insurify. Our comparison tool finds you the best quotes from top insurance companies in a flash. That way, you can get back to enjoying the little things in life.

Use Insurify to compare home insurance premiums for your property in Massachusetts. Our comparison tools make homeowners insurance shopping (and saving) simple so you can be on your way to enjoying your newly insured home in no time.

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Browse, compare, and secure home insurance with Insurify today! 

Yep, it’s that easy.  

Updated September 14, 2020

Stephanie Shaykin is a seasoned writer and marketing professional with experience in real estate. With a true passion for brand storytelling and SEO, she breaks down the most complex copy into a pleasant experience for the reader. In her spare time, she enjoys creating art and cooking in her home base of Chicago, Illinois.