The Best Home Insurance in Massachusetts for 2025

Chubb, Andover Companies and USAA are among the best home insurance companies in Massachusetts, according to our analysis.

To help you find the best home insurance in Massachusetts, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

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.

Chubb is a solid choice for well-to-do homeowners, offering high limits and coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders with secondary or seasonal homes in Massachusetts are eligible for Chubb’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

The Andover Companies’ home insurance generally comes with more coverage than a standard home insurance policy provides. In fact, Andover stands out for providing guaranteed replacement cost coverage for most homes. This means Andover will pay to rebuild your home after a covered claim, no matter what it costs.

Most Andover policies include replacement cost coverage for personal belongings, which means you can get enough to buy brand-new stuff after a covered claim. You can add coverage for valuables like jewelry or firearms, or to replace refrigerated food you have to throw out after a covered power outage.

» READ MORE: Andover Companies homeowners insurance review

Amica shines when it comes to coverage. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

The company stands out for its customer service. Amica has a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. The company also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

» READ MORE: Amica homeowners insurance review

If you want to support companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers lots of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible at sign up, plus $100 off each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before.

Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your liability coverage. It may also be a good bet for homeowners with jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers specific perks for military members, such as deductible-free coverage for uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Massachusetts is $1,595. That’s 24% less than the national average of $2,110.

Those rates are for homeowners with no recent claims on their record. In Massachusetts, policyholders with one recent claim pay an average of $1,850 per year — an increase of 16%.

Your premium will vary slightly depending on where you live within Massachusetts. For example, the average cost of homeowners insurance in Boston is $1,685 per year, while homeowners in Worcester pay about $1,575 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Massachusetts average of $1,595.

» MORE: The cheapest homeowners insurance

Here are some things to be aware of when buying home insurance in Massachusetts.

Nor’easters

Northeast coastal storms, known as nor’easters, can bring 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.)

» MORE: Complete guide to hurricane insurance

Flooding

Massachusetts sees flooding even in inland areas, and 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 buy flood insurance. 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 check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood 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. Help is available by calling 617-521-7794.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.