Best Homeowners Insurance Companies in Massachusetts (2026)
Amica and USAA are among the best home insurance companies in Massachusetts.
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Written byElizabeth Rivelli
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byChase Gardner
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Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Data reviewed byAndrew Huang
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Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Updated
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Table of contents
The average cost of homeowners insurance in Massachusetts is $140 per month for a policy with $300,000 in dwelling coverage, Insurify data shows. Policyholders in Massachusetts pay less for home insurance than the U.S. national average rate of $215 per month.
Home insurance in Massachusetts can protect your property against potential losses, like tropical storms and winter weather.[1] But if you want coverage for flood damage, you’ll need to purchase a separate flood insurance policy.
Quick Facts
Amica, USAA, and Chubb are some of the best home insurance companies in Massachusetts.
USAA has the cheapest home insurance in the state, with an average rate of $103 per month.
Home insurance isn’t legally required in Massachusetts, but most mortgage lenders require it.
Best home insurance companies in Massachusetts
Many reputable home insurance companies insure homeowners in the Bay State, but the best homeowners insurance company for you will depend on your individual situation and coverage needs. These five insurers are among the best in Massachusetts based on factors like customer satisfaction scores, coverage options, claims handling, discounts, and more.
Amica: Best for customer satisfaction
AmicaCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $121/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $179/mo |
Amica has excellent customer satisfaction, earning the top ranking in J.D. Power’s 2025 U.S. Home Insurance Study. Amica received 705 out of 1,000 points, which is much higher than the study average of 642. The company also stands out for its impressive claims satisfaction, ranking second in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study.
Pros
Highest J.D. Power customer satisfaction score
Second-best J.D. Power claims satisfaction rating
Three tiers of coverage available
Cons
Doesn’t have 24/7 customer service
Few branch locations in Massachusetts
Not all coverage options are available in Massachusetts
USAA: Best for military families
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $103/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $141/mo |
Military families who are stationed in Massachusetts can get home insurance through USAA. The company exclusively insures active-duty and retired service members and their immediate family members. USAA has a strong reputation for providing top-notch customer service, earning high scores from J.D. Power for both customer satisfaction and claims satisfaction.
Pros
Low average premiums in Massachusetts
Great customer service
Superior financial strength score
Cons
Must have a military connection to purchase coverage
No in-person agents
Limited discounts compared to other insurers
Chubb: Best for high-value homes
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $155/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $258/mo |
Massachusetts homeowners who own high-value homes should consider Chubb. The company specializes in insuring expensive homes, and it offers a variety of tailored coverages and benefits that other insurers don’t.
For example, a standard Chubb home insurance policy includes extended replacement cost coverage, risk consulting, a cash-settlement option after a loss, and assistance with finding temporary living arrangements.
Pros
Offers specialized coverage for high-value properties
Efficient claim-handling process with fast payments
Above-average J.D. Power customer satisfaction rating
Cons
No instant online quotes
Few discounts offered
Not the cheapest insurer in Massachusetts
Travelers: Best for green homes
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $148/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $233/mo |
Travelers offers special coverage and discounts for homeowners of sustainable homes in Massachusetts. The company’s green home coverage can pay to repair or rebuild your house with sustainable materials after a covered loss.
If your home is certified by a green home organization, like Leadership Energy and Environmental Design (LEED), Travelers will give you a 5% discount on your home insurance policy.
Pros
Offers special coverage and discounts for green homes
Superior financial strength rating
Many branch offices in Massachusetts
Cons
Below-average J.D. Power customer satisfaction rating
More complaints than expected from the National Association of Insurance Commissioners (NAIC)
Low J.D. Power claims satisfaction score
Nationwide: Best for discounts
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $228/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $344/mo |
Nationwide offers a good selection of home insurance discounts, which can potentially reduce your premium. The company offers savings for enrolling in its smart home program, having no prior claims, installing protective devices, living in a gated community, renovating your home’s major systems, having a newer roof, and more.
Additionally, you could save an average of $1,032 by bundling your home and auto policies with Nationwide.
Pros
Nine home insurance discounts available
Great discount for policy bundling
Good J.D. Power claims satisfaction rating
Cons
Below-average J.D. Power customer satisfaction score
More complaints than expected from the NAIC
No customer support on weekends
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Massachusetts to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Massachusetts
The cheapest home insurance company in Massachusetts is USAA, with an average monthly premium of $103 for $300,000 in dwelling coverage.
In the table below, you can see other cheap home insurance companies in the Bay State.
The below rates in Massachusetts are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| USAA | $1,405 |
| State Farm | $1,500 |
| Travelers | $2,019 |
| Chubb | $2,114 |
| Allstate | $2,360 |
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How much does homeowners insurance cost in Massachusetts?
The average cost of homeowners insurance in Massachusetts is $140 per month for a policy with $300,000 in dwelling coverage, Insurify data shows. But the actual amount you’ll pay for home insurance depends on a variety of factors, including your ZIP code, home age, proximity to a fire station, claims history, and coverage amounts.[2]
Your chosen insurance company can also affect your home insurance premium. To find the most affordable home insurance for your situation, shop around and compare home insurance quotes from multiple insurers.
Cheapest home insurance companies in Massachusetts by dwelling coverage
Dwelling coverage is the portion of your home insurance policy that covers the structure of your home and attached structures, like a garage or porch. Policies with higher dwelling insurance limits usually have more expensive premiums.
Here are the cheapest home insurance companies in Massachusetts for several different dwelling coverage amounts.
The below rates in Massachusetts are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,146 |
| State Farm | $1,187 |
| Chubb | $1,405 |
| Travelers | $1,500 |
| Allstate | $1,978 |
The below rates in Massachusetts are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,405 |
| State Farm | $1,500 |
| Travelers | $2,019 |
| Chubb | $2,114 |
| Allstate | $2,360 |
The below rates in Massachusetts are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,923 |
| State Farm | $2,019 |
| Travelers | $3,178 |
| Allstate | $3,192 |
| Chubb | $3,519 |
The below rates in Massachusetts are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,510 |
| State Farm | $2,605 |
| Allstate | $4,501 |
| Travelers | $4,624 |
| Chubb | $4,951 |
Massachusetts homeowners insurance cost by city
Massachusetts home insurance premiums can vary dramatically by city. Factors like the crime rate, weather risks, and the number of insurance claims in the area can all affect rates. Large cities like Boston and Worcester could have higher premiums than smaller, more rural towns.
Below, you can see the average annual home insurance premium in different Massachusetts cities.
City | Average Annual Premium |
|---|---|
| Boston | $1,560 |
| Springfield | $1,380 |
| Worcester | $1,404 |
What homeowners should know about insurance in Massachusetts
Massachusetts doesn’t experience severe weather very often, but certain perils can cause significant property damage. If you own a home in the Bay State, it’s important to understand the unique risks and how they might affect your insurance needs.
Flooding
Many homes in Massachusetts are susceptible to inland flooding. More than 400,000 homeowners live in a 100-year flood zone, where there’s a one in four chance that their home will flood during a 30-year mortgage term.[3]
Standard home insurance policies exclude coverage for flooding, so you’ll need to purchase separate flood insurance through the National Flood Insurance Program (NFIP) or a private flood insurer.
Winter weather
Massachusetts can experience a wide range of winter weather, including freezing rain, ice, and blizzards. A standard homeowners insurance policy will cover property damage resulting from the weight of snow, sleet, and ice. It can also cover issues like frozen pipes, trees that fall and damage your roof, and water damage caused by burst pipes or ice dams.
Tropical storms
Tropical storms, including hurricanes, are rare, but possible in Massachusetts. This can lead to severe windstorm damage, storm surges, heavy rainfall, and flooding, all of which can cause significant property damage.
Standard home insurance policies cover some damage from tropical storms, like damage from high winds and lightning. But flood-related damage would only be covered under a separate flood insurance policy.
How much homeowners insurance do you need in Massachusetts?
Home insurance isn’t a legal requirement in Massachusetts, but if you have a mortgage, your lender will likely require it. Before you purchase a policy, it’s important to understand exactly what your home insurance policy covers, so you can supplement your coverage with additional policies, if necessary.
Insurance experts recommend choosing a dwelling coverage limit that’s at least 80% of your home’s replacement value. For personal property coverage, choose a policy limit that would pay to replace all the personal belongings you own, like your furniture, clothing, and small appliances.
Standard home insurance policies provide at least $100,000 in personal liability insurance, but you may need more liability coverage if your personal financial assets are greater than this amount. Most policies allocate around 20% of your dwelling insurance limit for additional living expenses, but higher loss of use coverage limits may be available for a higher premium.
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How to contact the Massachusetts Division of Insurance
The Massachusetts Division of Insurance (DOI) oversees and regulates the insurance marketplace in the state and protects consumers from fraudulent insurance practices. Through the Massachusetts DOI, consumers can file complaints against insurance companies, find licensed insurers and agents, and access helpful resources.
Here’s how you can get in touch with the Massachusetts DOI:
Consumer services email address: [email protected]
Phone number: 1 (877) 563-4467 Monday to Friday, 8:45 a.m. to 5 p.m. Eastern time
Massachusetts homeowners insurance FAQs
If you’re shopping for the best homeowners insurance in Massachusetts, here’s some additional information that can help you find the right policy at the most affordable rate.
How much is home insurance in Massachusetts?
The average monthly home insurance premium in Massachusetts is $140 for $300,000 in dwelling coverage, according to Insurify data. Homeowners in the Bay State typically pay lower insurance rates than the national average.
Which company has the cheapest homeowners insurance in Massachusetts?
USAA has the cheapest homeowners insurance in Massachusetts, with an average monthly premium of $103.
Does Massachusetts require homeowners insurance?
No, home insurance coverage isn’t required in Massachusetts. But if you have a mortgage, your lender will probably require you to carry homeowners insurance. Even if you own your home outright, having home insurance can still provide financial protection for unexpected events.
How can you lower your home insurance premiums in Massachusetts?
To reduce your home insurance premium in Massachusetts, you can raise your deductibles, bundle your home insurance and car insurance, look for discounts, install protective devices, and renovate your home’s major systems. Comparison shopping can also help you find the cheapest rate.
What factors affect the cost of homeowners insurance in Massachusetts?
Massachusetts home insurance premiums depend on many different factors, like your ZIP code, the size of the home, materials used, protective devices installed, coverage limits, and available discounts. Rates can also vary by insurance company.
How much is home insurance for a $500,000 house in Massachusetts?
The cost of home insurance for a $500,000 house in Massachusetts depends on the coverage limits, deductibles, size of the home, location, and more. To give you an idea of what you might pay, the average rate for a policy with $500,000 in dwelling insurance is $215 per month.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
)
Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in