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Franklin County, MA Homeowners Insurance Quotes

Are you shopping online for home insurance in Franklin County MA? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our Franklin County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in Massachusetts from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in Franklin County

Franklin County, MA homeowners are now averaging around $138.92 per month for a basic home insurance policy. For Massachusetts, this amounts to $1667 per year for a standard (HO-3) homeowners insurance policy for residents living in Franklin County, MA. In comparison, the national average for home insurance rates is around 1,249 per year. Massachusetts is now ranked #8 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Franklin County, MA so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all Franklin County, MA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Franklin County? Simply enter your zip code to get your Massachusetts homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Franklin County, MA Housing Demographics

With 71,372 residents living within the Franklin County area there are over 33,758 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 18,317 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Franklin County.

DemographicValues
Total Occupied Households30,462
Family Households (families)18,317
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units33,758

Franklin County, MA Home Insurance Average Premiums

Local Franklin, MA homeowners insurance quotes comparison

$1,211 /yr.

Massachusetts's Average Home Insurance Rates Overall

For the state of Massachusetts, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 8 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$759 /yr.
Current Average Cost:$1,211 /yr.
Maximum Range:$1667 /yr.

Massachusetts Homeowners Insurance News & Information

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

Discounts For Homeowners in Franklin County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Massachusetts homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Franklin County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Franklin County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Franklin County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Franklin County Housing & Real Estate Data

Details:Statistics
Total Housing Units33758
Occupied Housing Units30462
Vacant Housing Units3296
Vacant Housing Units for Rent511
Vacant Housing Units Rented Not Occupied54
Vacant Housing Units For Sale342
Vacant Housing Units Sold Not Occupied83
Vacant Housing Units For Seasonal Occasional Use1453
Vacant Housing Units All Other Vacants853
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent5
Housing Tenure Occupied Units30462
Housing Tenure Occupied Units Owner Occupied20987
Housing Tenure Occupied Units Owner Occupied Population51023
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied9475
Housing Tenure Occupied Units Renter Occupied Population18868
Housing Tenure Occupied Units Renter Occupied Average Household Size2