Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Massachusetts, offering the best coverage for high-value homes.
Andover Companies offers the strongest coverage for most people.
Amica has the best digital tools.
Cincinnati Insurance draws the fewest consumer complaints.
USAA is our top pick for military families.
Insurance can offer Massachusetts homeowners peace of mind in the face of nor’easters and other disasters. Top insurance companies offer broad coverage, financial stability and good customer service. To help you find the best home insurance in Massachusetts, we analyzed data about insurers across the state.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Massachusetts
best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Affluent homeowners in Massachusetts may appreciate Chubb’s generous coverage. The company offers high limits and useful perks, such as the HomeScan service. HomeScan uses infrared technology to look behind your walls for leaks and other problems.
Standout feature: If your home is destroyed and you decide not to rebuild, you can opt for a cash payout from Chubb.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
best for most people
Andover Companies
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
- Limited online experience.
Why it’s worth a look: Massachusetts-based Andover Companies has some of the most generous policies on the market. In particular, the company covers homes on a guaranteed replacement cost basis. That means it will pay what it takes to rebuild after a disaster, even if your coverage limit is too low.
Standout feature: Most Andover policies come with a high amount of ordinance or law coverage, which pays to bring your home up to current building codes after a claim. This coverage could be especially useful if you own one of the many older homes in Massachusetts.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,320 |
$400,000 | $1,840 |
$500,000 | $2,385 |
$600,000 | $2,970 |
$700,000 | $3,470 |
» READ MORE: Andover Companies homeowners insurance review
best digital tools
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica makes it easy to manage your policy online. You can use its website to file and track claims, pay bills, and upload documents. Many of these functions are also available on the mobile app. Need help? You can live chat with the company seven days a week.
Standout feature: Amica offers a big discount — up to 30% — to those who bundle auto and home insurance. You may also be eligible for discounts if your home is equipped with certain smart devices.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,735 |
$400,000 | $2,020 |
$500,000 | $2,415 |
$600,000 | $2,860 |
$700,000 | $3,260 |
» READ MORE: Amica homeowners insurance review
fewest complaints
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Among our top-rated companies in Massachusetts, Cincinnati Insurance had one of the lowest rates of consumer complaints. This suggests that most of the company’s policyholders are satisfied with their coverage.
Standout feature: Cincinnati policyholders can save on devices that automatically shut off your water when they detect a leak. These devices can help you avoid expensive water damage claims.
Average rates: Not available.
» READ MORE: Cincinnati homeowners insurance review
best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: Members of the military will appreciate certain features of USAA’s home insurance policies. For example, the company doesn’t charge a deductible for claims involving military uniforms or equipment. USAA home insurance is available to active military, veterans, some federal workers and their families.
Standout feature: USAA policies include coverage to help with legal and other expenses after someone steals your identity.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,045 |
$400,000 | $1,235 |
$500,000 | $1,415 |
$600,000 | $1,595 |
$700,000 | $1,775 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Massachusetts
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,625 | ||
Not available | ||
$2,225 |
How much does homeowners insurance cost in Massachusetts?
The average cost of homeowners insurance in Massachusetts is $2,075 per year, or about $173 per month. That's 31% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Massachusetts homes is $509,002, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,325 |
$400,000 | $1,645 |
$500,000 | $2,075 |
$600,000 | $2,445 |
$700,000 | $2,825 |
The rates above are for homeowners with no recent claims on their record. In Massachusetts, policyholders with one recent claim pay an average of $2,370 per year — an increase of 14%.
Average cost of homeowners insurance in Massachusetts by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Boston is $2,395 per year, while New Bedford homeowners pay $3,205 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Attleboro | $2,355 | $196 |
Boston | $2,395 | $200 |
Brockton | $2,870 | $239 |
Cambridge | $1,895 | $158 |
Chicopee | $2,105 | $175 |
Everett | $1,915 | $160 |
Fall River | $3,005 | $250 |
Framingham | $2,000 | $167 |
Haverhill | $2,095 | $175 |
Lawrence | $2,645 | $220 |
Lowell | $2,175 | $181 |
Lynn | $2,715 | $226 |
Malden | $1,890 | $158 |
Medford | $1,815 | $151 |
Methuen | $2,095 | $175 |
New Bedford | $3,205 | $267 |
Newton | $1,965 | $164 |
Peabody | $2,125 | $177 |
Quincy | $2,345 | $195 |
Revere | $2,930 | $244 |
Somerville | $2,070 | $173 |
Springfield | $2,530 | $211 |
Taunton | $2,320 | $193 |
Waltham | $1,905 | $159 |
Worcester | $2,470 | $206 |
The cheapest home insurance in Massachusetts
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
N&D Group
Not rated
$590
National General
Not rated
$900
Narragansett Bay
Not rated
$925
Quincy Mutual
Not rated
$975
Preferred Mutual
Not rated
$1,010
Company
NerdWallet star rating
Average annual rate
N&D Group
Not rated
$750
National General
Not rated
$1,080
Preferred Mutual
Not rated
$1,215
Quincy Mutual
Not rated
$1,220
$1,235
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
N&D Group
Not rated
$910
National General
Not rated
$1,300
Quincy Mutual
Not rated
$1,470
Preferred Mutual
Not rated
$1,500
$1,415
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
N&D Group
Not rated
$1,070
National General
Not rated
$1,545
Quincy Mutual
Not rated
$1,690
Preferred Mutual
Not rated
$1,855
$1,595
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
N&D Group
Not rated
$1,225
National General
Not rated
$1,800
Quincy Mutual
Not rated
$2,005
Narragansett Bay
Not rated
$2,135
$1,775
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Massachusetts by claims history
Here are the cheapest home insurance companies in Massachusetts for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
N&D Group | Not rated | $1,075 |
Preferred Mutual | Not rated | $1,500 |
Quincy Mutual | Not rated | $1,545 |
Narragansett Bay | Not rated | $1,755 |
$1,780 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $500,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Massachusetts home insurance problems
Flooding. Floods are the most common natural disaster in New England. Massachusetts sees flooding even in inland areas, and your homeowners policy usually won’t cover the damage. If you live in a high-risk flood zone, your mortgage lender will likely require you to buy flood insurance. But because snow melt and heavy rain can cause problems anywhere, flood insurance may be worth considering no matter where in the state you live.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Nor’easters and coastal storms. These fierce storms can cause damage from high winds and heavy snow or rain. Your insurance will generally cover wind damage, such as a tree blown onto your home. Damage from heavy snow or frozen pipes may also be covered.
Tornadoes. These swirling storms are rare in Massachusetts, but a few have hit the state in recent years. As noted above, your policy should cover any resulting wind damage. Learn more about how home insurance covers tornadoes.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Massachusetts Property Insurance Underwriting Association
Also known as the Massachusetts FAIR Plan, the Massachusetts Property Insurance Underwriting Association (MPIUA) provides insurance coverage for high-risk properties. To determine if your property is eligible, the MPIUA requires an inspection as part of the application process. If you live in a coastal area, you may also be required to carry flood insurance.
Coverage up to $1 million is available.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Massachusetts Division of Insurance
The Massachusetts Division of Insurance can help you file a complaint against your insurer or learn more about how your policy works. Its website offers a list of insurers available in Massachusetts. Help is available at 877-563-4467.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Home insurance isn’t required by law, but if you have a mortgage, your lender will likely require you to have it. For more information, read Is Homeowners Insurance Required?
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 rain 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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.The Northeast States Emergency Consortium. Flood. Accessed Mar 4, 2026.
- 2.Massachusetts Emergency Management Agency. Tornado Safety Tips. Accessed Mar 4, 2026.
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
