Best and Cheapest Home Insurance in Massachusetts

Best and Cheapest Home Insurance in Massachusetts

Quincy Mutual has the most affordable home insurance rates in Massachusetts. A policy costs $861 per year, or $72 per month.

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The average cost of homeowners insurance in Massachusetts is $1,864 per year.

There are lots of home insurance companies to choose from in Massachusetts, which is why it's important to narrow down your options when shopping for home insurance. We compiled customer satisfaction scores and thousands of quotes from ZIP codes across the state to identify which insurers do the best job of delivering affordable, effective coverage.

Best cheap home insurance in Massachusetts

Cheapest home insurance in Massachusetts

The cheapest home insurance in Massachusetts comes from Quincy Mutual. At $861 per year, a policy is $1,003 cheaper than the statewide average and $208 less than the second-cheapest insurer, Vermont Mutual.

We gathered quotes in each of the ZIP codes in Massachusetts and found that the average price of homeowners insurance is $1,864 per year. That's $369 more expensive than the U.S. average cost of $1,495.

Graph comparing home insurance rates in Massachusetts by company

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Massachusetts homeowners who prefer to purchase home insurance from a national company should consider Travelers, which is $383 per year cheaper than the statewide average.

Annual cost
Quincy Mutual logo
Quincy Mutual$861
Vermont Mutual logo
Vermont Mutual$1,069
Arbella logo
Travelers logo
Safety logo
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Best for most people: Quincy Mutual

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  • Editor rating

  • Annual rate

    $861 ?

Pros and cons

  • Cheapest quotes in Massachusetts
  • Large bundling discount
  • Dependable customer service
  • Limited coverage add-ons

The best homeowners insurance company for most people in Massachusetts is Quincy Mutual, which has an average price of $861 per year — less than half the cost of the average home insurance policy in the state. You may also qualify for discounts on your home insurance if you bundle with an auto policy. Quincy offers up to 30% off of your home insurance and 12% off of your car insurance when you bundle policies.

While Quincy has very high customer satisfaction, its policies don't allow for a substantial amount of personalization beyond a few add-ons. You can only add endorsements that protect your home against sewer backups, mechanical or electrical breakdown and service line damage. However, Quincy Mutual should be a top choice for you to consider if you only need basic coverage.

Best for high-value homes: Chubb

  • Editor rating

  • Annual rate

    $2,622 ?

Pros and cons

  • Standard policy includes lots of extra coverages
  • Private flood insurance available
  • Few customer complaints
  • Expensive rates
  • High coverage limits required

If you're the owner of a high-value property or someone with a high net worth, you should consider purchasing homeowners insurance from Chubb. With an average rate of $2,622 per year, it's one of the most expensive insurers we found. However, Chubb's array of coverage options makes it an attractive option if you can afford it.

Homeowners insurance from Chubb comes with extended replacement cost coverage and a cash settlement option, which allows you to settle for a monetary payout if you decide not to rebuild your home in the event of a total loss.

Chubb also gives you the ability to purchase private flood insurance, but its price makes it best-suited to people who are able to pay for more expensive coverage. This flood coverage comes with up to $15 million in property coverage and replacement cost protection. You can also receive up to $5,000 to protect your home against flood damage by placing sandbags or barriers around your home, and to move your belongings out of the danger zone when a flood warning threatens your home's location.

Best for antique homes: MAPFRE

  • Editor rating

  • Annual rate

    $2,012 ?

Pros and cons

  • Useful coverage add-ons
  • Unique protections for antique homes
  • Reliable customer service
  • More expensive than average

If you're the owner of an antique home in Massachusetts, MAPFRE homeowners insurance will meet your needs the most effectively. MAPFRE's restorationist package is designed specifically for protecting properties like your antique house. It guarantees that any damage that your antique home experiences will be repaired with materials and construction true to its historical roots. Additionally, this unique coverage pays for the costs that arise from changes in building codes that require you to demolish or change parts of your home to comply with new regulations.

A policy from MAPFRE costs $2,012 per year, which is $148 more expensive than the statewide average. However, the benefits it offers for owners of antique homes may outweigh the cost if you experience a catastrophic loss.

Best-rated home insurance company: Amica

  • Editor rating

  • Annual rate

    $1,844 ?

Pros and cons

  • Excellent customer service
  • Optional flood coverage
  • Lots of discounts available
  • Average rates

Homeowners in Massachusetts who value an excellent customer service experience should consider Amica. According to the National Association of Insurance Commissioners (NAIC), Amica only receives half as many complaints as an average insurer when adjusted for size. It also earned top marks on J.D. Power's annual customer satisfaction survey.

While Amica isn't the cheapest insurer in our study, its average rate is $1,844 per year, which is slightly cheaper than the statewide average. The company offers a number of optional coverages that Massachusetts homeowners may find useful, including:

  • Personal property replacement coverage
  • Home business coverage
  • Valuable items coverage

Massachusetts home insurance rates by city

Homeowners in Williamstown pay the cheapest home insurance rates in Massachusetts, while those living in Chilmark have the highest premiums.

Massachusetts home insurance rates can vary significantly depending on where you live. Homeowners in Williamstown pay $1,084 per year on average for insurance, while those in Chilmark pay $5,065 for the same coverage. That's a difference of $3,981per year.

Homes located on the southern coast of Massachusetts cost more to insure than those located inland due to coastal storms.

Average annual cost
Difference from state average (%)
Acushnet Center$2,60140%
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Best home insurance companies in Massachusetts

Massachusetts homeowners can find the best customer service with Amica.

Amica earned top scores from J.D. Power and only receives about half as many complaints as other insurers of its size. Homeowners who value high-quality service should also consider comparing quotes from Norfolk & Dedham, Quincy Mutual and USAA.

Norfolk & Dedham
Quincy Mutual
Vermont Mutual

Most common homeowners insurance perils in Massachusetts: Hurricanes and nor'easters

As a coastal state, Massachusetts is affected by Atlantic hurricanes. Fortunately, because of the relatively low temperatures of the ocean compared to the state's southern neighbors, the hurricanes that reach Massachusetts are often the remnants of stronger storms. However, these storms still bring high amounts of rainfall and flooding to the state.

Home insurance doesn't typically cover flood damage. If your home is located in a flood zone, you'll have to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP), or a company that offers private insurance plans, like Chubb.

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Massachusetts can frequently experience nor'easters during the winter, too. These strong storms resemble hurricanes and are capable of producing heavy snow, wind and coastal flooding.

A typical homeowners policy covers wind damage and harm from falling objects, like snow or ice. But nor'easters are also known for contributing to coastal erosion — a disaster often excluded from coverage by home insurance policies. If your property sits on a sandy foundation, you should talk to your insurance agent about how to bolster your policy to protect yourself from the worst-case effects of a nor'easter or hurricane.

Frequently asked questions

Who has the best homeowners insurance in Massachusetts?

Quincy Mutual is the best choice for most Massachusetts homeowners. It has the cheapest average rate in the state at $861 per year, which is 54% less than the statewide average. It also receives a low number of complaints relative to its size according to the NAIC.

How much does flood insurance cost in Massachusetts?

The average cost of flood insurance in Massachusetts is $1,294 per year for $260,000 in coverage. However, rates vary significantly based on how close your home is to the coast, your elevation and other factors specific to your property.

What is the average home insurance cost in Boston?

Homeowners in Boston can expect to pay $1,968 per year for home insurance. That's 6% more expensive than the statewide average. In comparison, the average cost of home insurance in Springfield is $1,627 — 13% cheaper than the typical cost in Massachusetts.


Our survey of home insurance quotes in Massachusetts included estimates from 11 of the state's largest insurance providers. For each company, we collected quotes from every ZIP code in the state. The sample property we used to generate each quote was built in 1961 to correspond to Massachusetts' median building year, and includes $381,600 of dwelling coverage — the median value of owner-occupied homes in the state.

We included these insurers in our study:

  • Amica
  • Arbella
  • Chubb
  • Hanover
  • Norfolk & Dedham
  • Quincy Mutual
  • Safety
  • Travelers
  • USAA
  • Vermont Mutual

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

We determined customer service ratings by analyzing National Association of Insurance Commissioners (NAIC) complaint index scores, J.D. Power's 2021 home insurance customer satisfaction survey rankings and our own ValuePenguin editor's ratings.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.