The Best Home Insurance in Massachusetts for 2024

Safety, The Andover Companies and Nationwide are some of the best homeowners insurance companies in Massachusetts.
Ben Moore
By Ben Moore 
Edited by Caitlin Constantine

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The average cost of home insurance in Massachusetts is $1,320 a year. For comparison, the national average is $1,820 per year.

NerdWallet analyzed rates and policies from insurers across the state to help you find the best homeowners insurance in Massachusetts in the following categories:

To determine the best and cheapest homeowners insurance in Massachusetts, we analyzed rates for a home built in 1984 with $300,000 in dwelling coverage and a $1,000 deductible. 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.

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.

Best budget homeowners insurance in Massachusetts: Safety

insurance-product-card-logo

Safety Insurance

4.5

NerdWallet rating 
Regional insurer that sells home insurance in three New England states.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Safety Insurance

4.5

NerdWallet rating 
Regional insurer that sells home insurance in three New England states.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Safety Insurance's average annual rate of $1,185 is less than the statewide annual average of $1,320.

Safety sells homeowners policies through independent agents in Massachusetts, New Hampshire and Maine. The company stands out for customer service, drawing far fewer consumer complaints to state regulators than expected for an insurer of its size.

Learn more with our Safety home insurance review.


Best homeowners insurance in Massachusetts for coverage: The Andover Companies

insurance-product-card-logo

The Andover Companies

5.0

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

The Andover Companies

5.0

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Andover Companies’ home insurance policies generally come with broader coverage for your belongings and more coverage for the structure of your home than a standard homeowners policy provides. (Note that most but not all homes qualify for this coverage.)

Most Andover policies also include a generous amount of ordinance or law coverage, which pays to upgrade your home up to current building codes during repairs after a covered claim.


Best homeowners insurance in Massachusetts for consumer experience: Nationwide

insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Nationwide offers a robust consumer experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents and set up autopay.

In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.


Full list of the best homeowners insurance in Massachusetts

NerdWallet analyzed dozens of home insurance companies to find the best home insurance in Massachusetts. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,240

5.0

NerdWallet rating 

$1,580

5.0

NerdWallet rating 

$1,835

4.5

NerdWallet rating 

$1,185

4.5

NerdWallet rating 

$2,640

4.5

NerdWallet rating 

$3,515

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

5.0

NerdWallet rating 

$1,305

*USAA homeowners policies are available only to active military, veterans and their families.

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

4.0

NerdWallet rating 

$700

Preferred Mutual

Not rated

$710

Quincy Mutual

Not rated

$780

Vermont Mutual

4.0

NerdWallet rating 

$795

4.0

NerdWallet rating 

$825

Plymouth Rock

4.0

NerdWallet rating 

$885

Mapfre

4.0

NerdWallet rating 

$920

Arbella

Not rated

$980

4.5

NerdWallet rating 

$1,185

N&D Group

Not rated

$1,185

5.0

NerdWallet rating 

$1,240

5.0

NerdWallet rating 

$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.)

Flooding

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. 

To see the likelihood of flooding in your area, use the Federal Emergency Management Agency's flood maps or check RiskFactor.com, an online tool from the nonprofit First Street Foundation.

Massachusetts Division of Insurance

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.

Looking for more insurance in Massachusetts?

Frequently asked questions

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.

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. 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 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.

Methodology

NerdWallet averaged rates for 40-year-old homeowners from various 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 2020-2022. 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.

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