We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
The Best Home Insurance in Massachusetts for 2023
Farmers is one of the best homeowners insurance companies in Massachusetts, with an average annual rate of $825.
Ben Moore Lead Writer/Spokesperson | Car insurance, home insurance
Ben Moore is an insurance writer and spokesperson who joined NerdWallet in 2020. His work has been featured in The Washington Post, The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazines, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
Caitlin Constantine Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Homeowners in Massachusetts can expect to pay less for insurance than those in other states. The average cost of home insurance in Massachusetts is $1,320 a year, which is $500 less than the national average of $1,820.
NerdWallet analyzed policy rates from insurers across the state for a home built in 1984 with $300,000 in dwelling coverage and a $1,000 deductible to determine the best and cheapest homeowners insurance in Massachusetts. But these rates are just estimates, and yours may be different.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
The best homeowners insurance in Massachusetts
If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,580
Vermont Mutual
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,305
*USAA homeowners policies are available only to active military, veterans and their families.
More about the best home insurance companies in Massachusetts
See more details about each company to help you decide which one is best for you.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Several standard features can help save money.
Less common coverage options are available.
Discounts for nonsmokers and members of certain professions.
Cons
Ranked near the bottom for customer satisfaction in J.D. Power’s 2022 U.S. Home Insurance Study.
Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Several standard features can help save money.
Less common coverage options are available.
Discounts for nonsmokers and members of certain professions.
Cons
Ranked near the bottom for customer satisfaction in J.D. Power’s 2022 U.S. Home Insurance Study.
Farmers’ three tiers of home insurance coverage make its policies suitable for a variety of homeowners.
Homeowners policies from Farmers may include two valuable types of insurance: extended dwelling and replacement cost coverage. Extended dwelling coverage gives you extra insurance for the structure of your house, while replacement cost coverage offers higher reimbursement for stolen or destroyed belongings.
Some Farmers policies also come with perks that can save you money. For example, with Claim Forgiveness, Farmers won’t raise your rate for a claim as long as you haven’t filed one within the past five years.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and it pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
If you insure a secondary or seasonal home in Massachusetts with Chubb, you can sign up for the company’s Property Manager service at no charge. With this service, a Chubb representative will inspect your home after a hurricane, report its condition to you, submit a claim on your behalf and help prevent further damage.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Regional insurer since 1828, selling homeowners insurance in the Northeast through independent agents.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Very few discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Draws far fewer complaints than expected for an insurer of its size.
Offers a bundling discount if you buy both homeowners and auto insurance.
Cons
Can’t get an online quote.
Well-established company with good financial strength and a range of coverage options.
Vermont Mutual
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Regional insurer since 1828, selling homeowners insurance in the Northeast through independent agents.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Very few discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Draws far fewer complaints than expected for an insurer of its size.
Offers a bundling discount if you buy both homeowners and auto insurance.
Cons
Can’t get an online quote.
Well-established company with good financial strength and a range of coverage options.
Founded in 1828, Vermont Mutual sells homeowners insurance through local independent agents. The company stands out for service, drawing far fewer complaints than expected for an insurer of its size.
You may be able to add coverage for major appliances such as water heaters, laundry machines or solar energy systems. Other endorsements may be available to cover identity theft, damage to underground service lines, backed-up drains and theft of expensive jewelry.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Home Check app can help with home maintenance.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims and an app with home maintenance tips.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Home Check app can help with home maintenance.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims and an app with home maintenance tips.
Rhode Island-based Amica stands out for its customer service and broad range of coverage options. The company has drawn significantly fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for homeowners looking for many ways to customize their policy.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Extensive list of coverage options.
Far fewer consumer complaints than expected for a company of its size.
Cons
No online quote option.
Has multiple coverage packages, including a generous one for higher-value homes.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for homeowners looking for many ways to customize their policy.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Extensive list of coverage options.
Far fewer consumer complaints than expected for a company of its size.
Cons
No online quote option.
Has multiple coverage packages, including a generous one for higher-value homes.
The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a stand-alone policy for a standard house. You can further customize your policy with a range of coverage options for things like guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.
The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage and decent discounts.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly features on website and app.
Discounts for eco-friendly homeowners.
Cons
Doesn’t insure mobile or manufactured homes.
One of the largest home insurers in the nation, Travelers may especially appeal to eco-conscious homeowners looking to score discounts for owning a new or “green” home.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Strong coverage and decent discounts.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly features on website and app.
Discounts for eco-friendly homeowners.
Cons
Doesn’t insure mobile or manufactured homes.
One of the largest home insurers in the nation, Travelers may especially appeal to eco-conscious homeowners looking to score discounts for owning a new or “green” home.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks and affordable rates for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings. The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.
Homeowners in Massachusetts can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart home devices. These include water leak sensors, cameras and thermostats.
How much does homeowners insurance cost in Massachusetts?
The average annual cost of home insurance in Massachusetts is $1,320. That’s 27% less than the national average of $1,820.
Your premium will vary slightly depending on where you live within Massachusetts. For example, the average cost of homeowners insurance in Boston is $1,485 per year, while homeowners in Worcester pay about $1,265 per year, on average.
Average cost of homeowners insurance in Massachusetts by city
City
Average annual rate
Average monthly rate
Boston
$1,485
$124
Brockton
$1,565
$130
Brookline
$1,420
$118
Cambridge
$1,155
$96
Chicopee
$1,115
$93
Dorchester
$1,690
$141
Fall River
$1,625
$135
Framingham
$1,140
$95
Haverhill
$1,170
$98
Lawrence
$1,330
$111
Lowell
$1,160
$97
Lynn
$1,540
$128
Malden
$1,110
$93
Medford
$1,100
$92
Methuen
$1,180
$98
New Bedford
$1,810
$151
Peabody
$1,230
$103
Plymouth
$1,725
$144
Quincy
$1,290
$108
Revere
$1,775
$148
Somerville
$1,150
$96
Springfield
$1,315
$110
Taunton
$1,355
$113
Waltham
$1,120
$93
Worcester
$1,265
$105
The cheapest home insurance in Massachusetts
Here are the insurers we found with average annual rates below the Massachusetts average of $1,320.
Company
NerdWallet star rating
Average annual rate
Narragansett Bay
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
$700
Preferred Mutual
Not rated
$710
Quincy Mutual
Not rated
$780
Vermont Mutual
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$825
Plymouth Rock
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
$885
Mapfre
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$920
Arbella
Not rated
$980
Safety
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,305
*USAA homeowners policies are available only to active military, veterans and their families.
What to know about Massachusetts homeowners insurance
Here are a couple of things to note when evaluating home insurance options in Massachusetts.
Nor’easters
Nor’easters, or northeast coastal storms, can cause damage similar to a hurricane. These storms typically occur between September and April and may cause high winds, heavy snow or rainfall, and flooding. While home insurance commonly covers damage from high winds and snow, it likely won’t cover water damage from flooding. You’ll need a separate flood insurance policy for that. (Read on for more details.)
Massachusetts can experience flooding even in inland areas, but your homeowners policy probably won’t cover the damage. If you live in a high-risk flood zone, like along a lake or river, your mortgage lender will likely require you to purchase flood insurance. But you could be at risk no matter where you live, so flood insurance may be worth considering even if you don't live in a high-risk zone.
You can file a complaint against your insurance company or learn more about how home insurance works from Massachusetts’ Division of Insurance. Its website offers a list of insurers available in the state and resources to help homeowners understand their policies, plus the option to submit a complaint online. Assistance is available by calling 617-521-7794.
How much does home insurance cost in Massachusetts?
Massachusetts home insurance costs an average of $110 per month, or $1,320 per year, for homeowners with $300,000 in dwelling and liability coverage, no recent claims and a $1,000 deductible. Your rates may vary depending on where you live and how much coverage you need.
Is home insurance required in Massachusetts?
Home insurance isn’t required by law, but if your home is financed, your mortgage lender will likely need you to have it. Home insurance can be a good idea even if you don’t have a mortgage since an unexpected disaster could cause expensive damage.
Does Massachusetts home insurance cover mold damage?
Your home insurance policy may cover mold damage if it’s from an incident or “peril,” that the policy covers. For example, most policies cover burst pipes, so they’ll often pay to clean up any resulting mold. But if you get mold because a hurricane floods your basement, you won’t have coverage because homeowners policies generally don’t pay for flood damage. Learn more about whether homeowners insurance covers mold.
How much does home insurance cost in Massachusetts?
Massachusetts home insurance costs an average of $110 per month, or $1,320 per year, for homeowners with $300,000 in dwelling and liability coverage, no recent claims and a $1,000 deductible. Your rates may vary depending on where you live and how much coverage you need.
Is home insurance required in Massachusetts?
Home insurance isn’t required by law, but if your home is financed, your mortgage lender will likely need you to have it. Home insurance can be a good idea even if you don’t have a mortgage since an unexpected disaster could cause expensive damage.
Does Massachusetts home insurance cover mold damage?
Your home insurance policy may cover mold damage if it’s from an incident or “peril,” that the policy covers. For example, most policies cover burst pipes, so they’ll often pay to clean up any resulting mold. But if you get mold because a hurricane floods your basement, you won’t have coverage because homeowners policies generally don’t pay for flood damage. Learn more about whether
NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
