Massachusetts Homeowners Insurance Quotes (2023)

Liberty Mutual, Stillwater, and Travelers offer some of the best homeowners insurance policies in Massachusetts.

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The average monthly cost of home insurance in Massachusetts is $242, according to Insurify data. The best home insurance companies in Massachusetts are Liberty Mutual, Stillwater, and Travelers, Insurify data finds, though you may find another insurer better suits your unique needs. Always compare quotes from multiple insurers before buying a policy.

Massachusetts experiences snow frequently during the winter and occasional flooding in some coastal cities.[1] Consider these factors when buying homeowners insurance, as it might prove beneficial to purchase certain add-ons.

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.

  • 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

  • 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]

  • 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

  • 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).

  • 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

  • More expensive than other Massachusetts home insurance companies

  • Lower J.D. Power score than other insurers in Massachusetts

  • Not available nationwide

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]

  • 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

  • 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]

  • Low complaint rating with the NAIC[4]

  • 4-star rating on Google

  • Also offers auto insurance and options for bundling discounts

  • 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


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.

How much is homeowners insurance in Massachusetts?

Homeowners in Massachusetts pay an average monthly premium of $242 per month. You may pay more or less than this depending on your coverage level, the type of home insurance policy you select, and your location.

How your policy choices affect home insurance rates in Massachusetts

Your policy form

The most common home insurance policy forms are the HO-2, HO-3, and HO-5 forms, also known as the broad, special, and comprehensive forms, respectively. Each covers a set number of perils, with some overlap between the forms.

A peril is something that damages your home or property, such as water damage, windstorms, hail, robbery, fires, and more. Your homeowners policy will list which perils it covers and which it excludes.

For example, an HO-2 policy covers 16 named perils. An HO-3 typically covers more perils than an HO-2 policy — basically anything not explicitly excluded. An HO-5 covers the most perils of the three, but it’s also the most expensive.

See Also: Types of Homeowners Insurance: Which One Do You Need?

Your coverage level

Choosing the right coverage level is essential. While lower coverage levels can result in lower premiums, you may not have enough coverage to protect you in an emergency. At the same time, overinsuring and paying for more coverage than you need might not be worth it, either.

Talk with your insurance agent to understand your options for repairing or replacing your home in an emergency. Decide how much financial assistance you might need in an emergency and how much your home is worth to make sure you choose an adequate coverage level.[5]

Coverage AmountAverage Monthly Quote
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

Learn More: A Homeowners Guide to Coverage Levels and Limits

Your deductible

Your home insurance deductible is the amount of money you’re responsible for paying out of pocket before your insurance steps in to assist you. Your home deductible should be an amount you can reasonably afford if you need to file a claim.[6]

How location affects home insurance rates in Massachusetts

Even in a smaller state like Massachusetts, different ZIP codes can mean different home insurance premium prices. Some parts of the state are more likely to sustain damage due to hurricanes and other natural disasters, while others might have higher crime rates. Both are major factors that can affect your premiums.

CityAverage Monthly Quote
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

What are the cheapest home insurance companies in Massachusetts?

Liberty Mutual, Stillwater, and Travelers offer the cheapest monthly insurance premiums in Massachusetts. Liberty Mutual and Stillwater cost $127 per month on average, while Travelers costs an average of $131 per month. All three rates fall well below the statewide average of $242 per month.

Your specific coverage needs might result in a more expensive insurance quote than the ones listed above. Your premium will depend on your home’s location, age, coverage level, and many other factors.

Insurance CompanyAverage Monthly Quote
Liberty Mutual$127
Midvale Home & Auto$216
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

How much homeowners insurance do you need in Massachusetts?

While Massachusetts law doesn’t legally require it, most mortgage lenders will require you to purchase homeowners insurance for your home. Make sure you understand exactly what coverages you need before buying a policy. Most homeowners policies have several standard components, like dwelling, liability, and medical payments coverages.

What home insurance coverages should you buy in Massachusetts?

Massachusetts homeowners should strongly consider the following basic home insurance coverages:

  • Dwelling coverage: This coverage will repair or replace the structure of your home if you have unexpected damage. Make sure you have enough coverage to fully replace your home if necessary.

  • Personal liability coverage: You could be exposed to a lawsuit if someone is injured on your property due to your negligence. This coverage pays for legal fees and other costs associated with a lawsuit.

  • Personal property coverage: Your personal belongings are the items you own in your house, including your furniture, electronics, and more. This part of your policy can help replace these items if they’re stolen or damaged. If you have particularly expensive pieces of art or jewelry, you may need to purchase additional insurance coverage.

  • Additional living expenses coverage: This coverage pays for any additional living expenses you incur if you’re unable to live in your home due to damages. It’s typically 20% of the dwelling coverage limit, but that limit may vary.

  • Medical payments coverage: This coverage pays for any medical expenses a person incurs from getting injured on your property, regardless of fault. Its coverage limit is usually $1,000.[7]

Read More: What Does Home Insurance Cover and What Does It Exclude?

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What optional home insurance coverages should you buy in Massachusetts?

Standard homeowners insurance policies won’t cover every peril. You might want to consider purchasing one or more of these additional coverages to fully protect your home, especially if you live on the coast.

  • Flood insurance: Although homeowners insurance policies cover some water damage, many don’t cover flooding due to natural disasters. You might want to consider purchasing a policy through the National Flood Insurance Program (NFIP).

  • Earthquake insurance: Massachusetts occasionally experiences earthquakes, and many home insurance policies don’t cover damage caused by them. However, you can purchase a separate earthquake endorsement policy.

  • Law or ordinance coverage: Homeowners insurance typically excludes coverage for any extra repair costs that arise from changes in local building codes or laws. This endorsement provides extra coverage should that be an issue when you file a claim.[7]

Check Out: Massachusetts Flood Insurance: Complete Guide for Homeowners

How much home insurance coverage should you have in Massachusetts?

How much home insurance coverage you need depends on several factors, like the size of your home, its age, and its location. And if you live near the coast, you may need to purchase separate flood insurance.

Make sure to compare quotes from at least three different insurers before purchasing a policy. No single policy will work for every homeowner — so be sure to consider your home’s unique coverage needs and any additional coverages you may need to thoroughly protect your investment.

Learn More: How Much Homeowners Insurance Do You Need?

What are some of the biggest risks when owning a home in Massachusetts?

Massachusetts homeowners should prepare their homes for some of the most common risks in the state, including: 

  • Flooding: Many areas of Massachusetts — especially coastal areas — are prone to flooding. A study by the Union of Concerned Scientists found that nearly 7,000 properties will be at risk for constant coastal flooding by 2045 due to rising sea levels.[8] Homeowners should consider purchasing supplemental flood insurance, since not all flood-related damage is covered in a typical homeowners policy.

  • Other natural risks: Homeowners should also be aware of severe weather, like wildfires, blizzards, and earthquakes. It’s important to know what your homeowners insurance policy covers, since not all of these weather events are covered by standard home insurance.

  • Lead paint: Nearly 20% of homes in the United States have lead paint, but, in Massachusetts, the percentage is closer to 32%.[9] There’s even a lead law in Massachusetts that requires homeowners to remove lead paint, as it can cause numerous health issues. Most insurers don’t cover lead paint removal, unfortunately.

How can you save money on homeowners insurance in Massachusetts?

Massachusetts homeowners can save money on home insurance premiums in various ways, including:

Bundle your home and auto insurance

Home and auto insurance bundling is one of the most common discounts insurance companies offer, and it and can save you a lot on your home insurance premiums. Ask your current insurer about its bundling options — most offer hefty discounts for it.

Seek additional discounts

Most insurers offer many home insurance discounts, such as loyalty, claims-free, and home security system discounts. Ask your insurer what discounts it offers and which you could qualify for. Taking advantage of multiple discounts is one of the best ways to save on home insurance.

Raise your deductible

Raising your deductible is another way to reduce your premium. Make sure you don’t raise it to an amount higher than you’re comfortable paying out of pocket if you need to file a claim, though.

Comparison shop

Everyone’s situation is different, and an insurance company that works for one person may not work for another. It’s important to take the time to compare home insurance from multiple companies before purchasing a policy.

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Average home replacement cost in Massachusetts

Replacement cost is how much it would cost to rebuild your home from scratch. It may be more than what you purchased your house for initially, as construction material costs can increase over time. Replacement cost differs from actual cash value, which considers depreciation.

When shopping for an insurance policy, make sure you understand which policies have replacement cost and which have actual cash value. Policies with actual cash value might be more affordable, but you might have to pay more out-of-pocket costs if your home is damaged or ruined.

CityAverage Home Value

Massachusetts home insurance FAQs

Below are answers to some of the most frequently asked questions about Massachusetts home insurance.

  • How much is home insurance a month in Massachusetts?

    Home insurance in Massachusetts costs $242 per month on average. If you purchase additional coverage, like flood insurance, your monthly costs will be higher.

  • Is homeowners insurance expensive in Massachusetts?

    The average annual cost of homeowners insurance across the U.S. is $2,724 annually, or $227 per month, according to Insurify data. At $242 per month, the average cost of homeowners insurance in Massachusetts is slightly higher than the national average, but not by much. A state like Florida is much more expensive than the national average, at $368 per month.

  • What are the three main types of homeowners insurance?

    Most homeowners insurance policies have a few key components: dwelling coverage, personal property coverage, and liability coverage. Dwelling coverage protects your home, personal property coverage protects your belongings, and liability coverage helps protect you in the event of a lawsuit.

    You’ll be able to choose whether or not you want actual cash value, replacement cost, or extended replacement cost. Actual cash value is the most affordable but takes depreciation into account when you need an insurance payout. Replacement cost pays for you to fully replace your home up to your policy’s limits.

  • Does Massachusetts require homeowners insurance?

    No. Massachusetts doesn’t require homeowners insurance.

    However, if you purchase a home with a mortgage, your mortgage company will likely require you to purchase homeowners insurance. Having a home insurance policy is a wise move for a homeowner, as it protects your home and belongings in case of the unexpected. It also offers financial protection if you’re sued because someone is injured on your property.

  • Who insures the most homes in Massachusetts?

    Citation Insurance Company, owned by MAPFRE USA, is the largest home insurance company in Massachusetts, according to 2020 data from Agency Checklists.[10]


  1. National Weather Service. "Flooding in Massachusetts." Accessed April 12, 2023
  2. J.D. Power. "2022 U.S. Home Insurance Study." Accessed April 12, 2023
  3. A.M. Best. "Rating Services." Accessed April 12, 2023
  4. National Association of Insurance Commissioners. "Complaint Index Report." Accessed April 12, 2023
  5. Insurance Information Institute. "How much homeowners insurance do I need?." Accessed April 12, 2023
  6. Insurance Information Institute. "Understanding your insurance deductibles." Accessed April 12, 2023
  7. Massachusetts Division of Insurance. "Understanding Home Insurance." Accessed April 12, 2023
  8. Union of Concerned Scientists. "New Study Finds 89,000 Massachusetts Homes Worth $63 Billion will be at Risk from Tidal Flooding." Accessed April 12, 2023
  9. America's Health Ratings | United Health Foundation. "Public Health Impact: Housing With Lead Risk." Accessed April 12, 2023
  10. Agency Checklists. "2020 MA Market Share Report: Top 20 Homeowners’ Insurers." Accessed April 12, 2023
Catherine Collins
Catherine Collins

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of and, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.