Best home insurance companies in Massachusetts
Several reputable home insurance companies serve Massachusetts homeowners. The best insurance company for you will depend on various factors, including your home’s location, your credit, and any add-on coverages you need.
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Best large insurer: Liberty Mutual
Average monthly cost: The average cost of Liberty Mutual homeowners insurance in Massachusetts is $127 per month.
Liberty Mutual is one of the largest insurance companies in the U.S. J.D. Power gave the insurer a customer satisfaction score of 840 in its 2022 U.S. Home Insurance Study.[2] Liberty Mutual offers a variety of insurance products, including home and auto insurance, as well as plenty of add-ons.
Pros
Offers Massachusetts’ lowest home insurance premiums on average (tied with Stillwater)
Good customer satisfaction score from J.D. Power
Easy-to-use website with information, guidance, and customer service
Cons
Ranked lower than other companies of a similar size and reputation on the J.D. Power overall customer satisfaction index rating
Customers — especially those on the coast — might have to pay extra to cover certain hazards and perils
No quick way to live chat
Best insurer for cheap rates: Stillwater
Average monthly cost: The average cost of Stillwater homeowners insurance in Massachusetts is $127 per month.
Stillwater is not as well known as other insurance companies on this list, but it has excellent ratings. It’s rated A+ by the Better Business Bureau and received an A- financial strength rating from A.M. Best.[3]
Pros
Offers several types of insurance products, including home, auto, and business insurance
Cheapest home insurance premiums in Massachusetts (tied with Liberty Mutual)
Provides coverage in all 50 states
Cons
Not rated by J.D. Power for customer satisfaction
More consumer complaints than average, according to the National Association of Insurance Commissioners (NAIC)[4]
Offers limited add-ons compared to its competitors
Best insurer for flooding coverage: Travelers
Average monthly cost: The average cost of Travelers homeowners insurance in Massachusetts is $131 per month.
Travelers has been in operation for more than 165 years and boasts a J.D. Power score of 794.[2] Homeowners worried about protecting their home from flooding should consider getting a quote from Travelers, as it partners with Neptune Flood, a private insurer that offers more protection than the National Flood Insurance Program (NFIP).
Pros
Offers flood insurance through Neptune Flood, with policies up to $4 million in coverage
Its flood insurance covers pool repair and refill (NFIP excludes this)
Has an A++ (Superior) rating from A.M. Best
Best insurer for high-value homes: Safeco
Average monthly cost: The average cost of Safeco homeowners insurance in Massachusetts is $468 per month.
Safeco is a good option for homeowners with high-value homes. The insurer offers a variety of coverages and discounts, making it easy for homeowners to customize their policies. It earned a J.D. Power score of 809 and an A (Excellent) rating from A.M. Best.[2]
Pros
Has a variety of discounts
Offers umbrella insurance packages, which can be helpful to customers with high-value homes who want more extensive protection
Provides optional coverages that protect high-value items like jewelry or art
Cons
Its average premium is well above the state average
Lower J.D. Power score than other insurers on this list
Charges extra for things like equipment breakdown coverage and guaranteed repair network contacts
Best regional insurance company: Plymouth Rock Assurance
Average monthly cost: The average cost of Plymouth Rock homeowners insurance in Massachusetts is $208 per month, according to Insurify data based on a 7-to 15-year-old home with $200,000 in coverage.
Plymouth Rock Assurance is one of the best regional insurance companies for Massachusetts homeowners. It offers coverage in Massachusetts, Connecticut, Pennsylvania, New Hampshire, New Jersey, and New York. It received an A- (Excellent) rating from A.M. Best.[3]
Cons
Not available in Rhode Island, Maine, and Vermont
Some complaints on Google about communication issues
Higher quotes on average than some competitors
Read More: 5 Best Home Insurance Companies
Methodology
Insurify’s team of data scientists analyzes millions of home insurance quotes and weighs publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. The Insurify editorial team applies this insight to inform unbiased reviews and recommendations.