The Best (And Cheapest) Massachusetts Homeowners Insurance Companies

Find the Cheapest Homeowners Insurance Quotes in Your Area

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Different insurance companies may best fit the needs of different types of Massachusetts homeowners, but our choices for the best insurance companies in the state are Chubb, Safety Insurance and Amica, based on customer feedback. Below, we've also included our choices for the top home insurance companies in Massachusetts for customers with specific types of coverage needs.

If you're shopping based on cost, we researched data on Massachusetts home insurance pricing. Based on our research, the average cost of homeowners insurance in Massachusetts is $1,705 per year.

We collected insurance quotes across 37 cities in the state to determine which have the highest and lowest annual home insurance costs. Across the cities we found that Progressive Insurance had the cheapest average rates in the state from our sample group. Read more about our findings below, or use our quote tool above to find the best home insurance quotes in your area.

Best homeowners insurance companies in Massachusetts

  • Chubb
  • Safety Insurance Co.
  • Amica

Whether you're living in Boston, Worcester or Cape Cod, when shopping for the best home insurance companies in Massachusetts, you should always measure which companies have the best combination of coverage features, price, stability and customer service. Focusing on customer service, we've ranked the largest homeowners insurance companies in the Bay State using customer complaint data.

The top-rated homeowners insurance companies in Massachusetts are Chubb, Safety Insurance Co. and Amica. The worst-rated major insurance companies in Massachusetts are Arbella Mutual Insurance, Vermont Mutual Insurance Co. and Liberty Mutual.

But Massachusetts home insurance customers are mostly happy with the state's biggest companies: Eight out of the 10 largest companies receive a customer complaint ratio below the national median of 1.0. Arbella and Vermont Mutual, the exceptions, rated poorly.

Customer service rankCompanyMarket shareComplaint ratio
1Chubb (Pacific Indemnity)6.6%0.04
2Safety Insurance7.2%0.1
5Andover (Merrimack Mutual)6.1%0.23
6MAPFRE (Citation Insurance)13.5%0.33
8Liberty Mutual10.7%0.56
9Vermont Mutual3.8%1.13
10Arbella Mutual Insurance6.1%1.6
Methodology noted at the bottom of the page.

Find the Cheapest Homeowners Insurance Quotes in Your Area

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Massachusetts homeowners insurance company reviews

We looked at some of the largest homeowners insurance companies in Massachusetts, based on market share, and provided our picks for the companies that would best serve different types of customers.

Of the top insurers in the state, MAPFRE, Liberty Mutual and Safety Insurance stand out for specific reasons detailed below. All of three of these Massachusetts insurance companies receive an A.M. Best Financial Strength Rating of A, indicating they are in excellent financial condition and should have no problem paying your claims. Massachusetts homeowners who are struggling to find coverage could also look to the MPIUA Fair Plan.

MAPFRE: Best for those with high-value or antique homes

MAPFRE, the 30th-largest home insurance group in the country by premiums written, is the biggest in Massachusetts, offering policies largely through Citation Insurance Co. and Commerce Insurance Co. MAPFRE is a good choice for those with high-value or antique homes, given its policies can be tailored to those structures.

If you own an antique or high-value home, MAPFRE is a good insurer given its Restorationist and Premier Living policies, which are tailored to serve the unique characteristics of those types of homes, respectively. The policies include extensive coverage features like guaranteed replacement cost—which covers the cost of repairing your dwelling without limits—and a cash-out option, which gives you the choice to take a cash settlement rather than rebuild your home in the event of a total loss.

Liberty Mutual: Best for unique coverages

Although Liberty rates poorly for customer service compared to other Massachusetts home insurance companies, its customer complaint rate is still better than the national median. And Liberty offers some unique benefits rarely offered by other companies.

Liberty helps Massachusetts homeowners maintain the value of their policies through its inflation protection feature—which increases your coverage limits to keep pace with rising prices—and a 12-month rate guarantee, which secures your current premium for a full year. Liberty also has a personal property replacement service, which means that if your personal belongings are damaged in a covered event, it will find and ship you the exact item as a replacement.

Chubb: Best for customer service

Chubb combines some of the most extensive home insurance coverage features in Massachusetts with a top-notch customer experience. Shoppers who are willing to pay extra to secure comprehensive coverage and reliable service should look into a quote with Chubb.

Chubb has an exceptionally low customer complaint ratio of 0.04, indicating that homeowners almost never complain about its service. And its standard coverages are generous, with extended replacement cost coverage for your dwelling and replacement cost coverage for your personal belongings.

MPIUA Fair Plan: For those who can't find homeowners insurance coverage

Some Massachusetts home insurance shoppers might not be able to get coverage in the private market because they live in a high-risk coastal area or because they're otherwise considered a high-risk customer. These homeowners can turn to the Massachusetts Property Insurance Underwriting Association (MPIUA) for a Massachusetts Fair Access to Insurance Requirements (FAIR) Plan. Its mission is to make property insurance readily available to those who cannot get a policy on the voluntary market.

If you're a Massachusetts homeowner who hasn't been able to get coverage from the companies listed above—or from any private insurer in the state—you should apply for MPIUA insurance to get the dwelling and property coverage you need.

Cheapest home insurance companies in Massachusetts

How much is homeowners insurance in Massachusetts? We gathered quotes for our sample home across 37 cities from Amica, Progressive and Liberty Mutual. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in Massachusetts. The graph and table below show the average annual costs to insure our sample home by company alongside the state average:

Insurance companyAverage quote
Massachusetts state average$1,705
Liberty Mutual$2,349
Best Home Insurance Companies in Massachusetts

Homeowners insurance rates in Massachusetts' largest cities

We evaluated homeowners insurance rates across the largest cities in Massachusetts. On average, homeowners in the five largest cities pay 3% more than the state mean on home insurance. The cost for home insurance in the five largest cities is an average of $1,753 per year. Boston had the highest rates in the state with an average cost of home insurance of $2,120, $415 more than the state mean.

CityAverage quote
Massachusetts state average$1,705
Cities in Massachusetts Sorted by Cheap Homeowners Insurance

Least expensive cities for homeowners insurance in Massachusetts

The graph and table below show the five best cities for home insurance of all 37 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. Melrose is the cheapest city in Massachusetts for homeowners insurance. Residents pay $1,236 annually on average, which is $469 less than the state average.

CityAverage quote
Massachusetts state average$1,705
Top 5 Best Cities in Massachusetts for Homeowners Insurance

What affects the cost of home insurance in Massachusetts?

Many factors affect your home insurance rates. We break these factors into two categories: adjustable and fixed.

  • Adjustable factors are parts of your homeowners insurance policy you change before your purchase. Examples are your dwelling coverage limits, personal property coverage limits, liability coverage limits and your deductible.
  • Fixed factors are things you can't change in the short term. These include characteristics of your home, such as its age and building materials, or of you, like your claims history.

Adjustable factors are chosen by you, and the price of a home insurance policy will change depending on how much coverage you select. However, you should always be sure to select dwelling coverage limits high enough to cover the replacement cost of your home.

Fixed factors are the characteristics of you or your home that cannot be easily changed. For example, Massachusetts residents with newer homes that are less vulnerable to weather damage will pay less for their home insurance because they're less likely to make a claim. Or, if you have a claims-free history, insurers may reward you with a cheaper premium. As our study shows, location also matters, as certain areas of Massachusetts may be at higher risk for specific perils and may be charged higher premiums, all else equal.

What does Massachusetts homeowners insurance cover?

In Massachusetts and all other states, almost all home insurance policies include four main coverages: dwelling, personal property, personal liability and additional living expenses.

Dwelling coverage covers you for damage to the structure of your home by a covered peril. The dwelling refers to everything from the walls and floors to attached structures, such as a garage. You should buy a policy with enough dwelling coverage—in other words, high enough limits—to completely rebuild your home in the event of a total loss.

Personal property coverage means your insurer will pay you back for damage to or theft of things you keep within the structure of your home. This could be anything from your television to your couch. Personal property coverage limits are usually offered as a percentage of your dwelling coverage limits, though many insurers also allow you to adjust these limits to fit your needs.

Personal liability coverage protects you against the costs of lawsuits for bodily injury or property damages. It will cover the cost of providing a legal defense up to policy limits, which typically start at $100,000.

Additional living expenses (ALE) coverage, also called loss of use coverage, will pay you back for unusual expenses incurred after your home becomes uninhabitable in a covered event. If your Cambridge home is badly damaged by a fire, for example, this coverage will pay for expenses of living out of home such as hotel costs and additional transportation costs.

Do Massachusetts homeowners need flood insurance?

Flood damage is almost never covered under homeowners insurance policies in any state. Massachusetts residents who want to cover their home and personal property from flooding will have to purchase a separate flood insurance policy. The average cost of flood insurance in Massachusetts is $1,251 per year.

Purchasing flood insurance will only be required if either:

  • Your lender requires it, or
  • You live in an area designated as a Special Flood Hazard Area (SFHA) by the federal government, and you have a mortgage from a federally regulated or insured lender.

Massachusetts homeowners, or prospective buyers, can research their flood zone by entering their address into the FEMA Flood Map Service Center. Lenders will require buyers of homes in high-risk zones to have a flood policy, but even if they don't, we highly recommend you purchase flood insurance.

If you live in a lower-risk flood zone, and your lender doesn't require that you buy a policy, you won't have to. Despite being a coastal state, few Massachusetts homeowners are covered against flood damage. Massachusetts has about 64,000 flood insurance policies in force compared to 1.6 million owner-occupied housing units. That means less than 4% of the state's homeowners have a flood insurance policy. On the other hand, almost all Massachusetts homeowners have a home insurance policy.

Owner-occupied housing unitsFlood insurance policies in force (share of housing units)
1,612,32963,535 (3.9%)
Owner-occupied housing unit numbers are taken from the United States Census Bureau and statistics on flood insurance policies in force are taken from FEMA.

We even recommend purchasing flood insurance for those living in lower-risk flood zones. Over 20% of flood insurance claims come from properties in moderate- to low-risk zones, so homeowners in low-risk areas can still be vulnerable. And homeowners in moderate- to low-risk zones may qualify for a Preferred Risk Policy, which is a cheaper policy that can be purchased for $108 per year at its lowest coverage levels.

Is homeowners insurance mandatory in Massachusetts?

There are no Massachusetts insurance laws or regulations mandating you buy a homeowners insurance policy, nor are there in any other state. But if you take out a mortgage to finance your home purchase, your lender will require you to buy a homeowners insurance policy to approve the loan. So for most people, homeowners insurance is practically required.

If you paid for your Massachusetts home in cash upfront—or have paid off your mortgage—you won't need homeowners insurance policy. However, we still recommend buying a policy, as it serves as important financial protection against the risk your home is damaged or destroyed in covered events. Your home is likely to be your most valuable financial asset, and without a home insurance policy to reimburse you for a damaging event, you're putting that wealth at risk.


We studied 37 cities, spread out geographically all throughout the state of Massachusetts. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from Amica, Progressive and Liberty Mutual insurance companies. The rates were then averaged for each city. We've displayed all cities with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.

We measured customer satisfaction by a complaint ratio collected from the National Association of Insurance Commissioners. Customer complaints are weighted by market share, so the number of complaints is adjusted relative to the size of a company, with a median score of 1.0. The complaint ratio is drawn from the largest individual company under an insurance group that is active in the state. If the company name is distinct from the name of its insurance group, it is noted in parentheses. Only the top 10 insurance groups in the state, by market share, were included in the customer satisfaction analysis.

RankCityAverage Insurance RateCost Compared to State Average
37Fall River$2,42042%
7New Bedford$1,331-22%

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