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Massachusetts Homeowners Insurance Quotes

Massachusetts has had a significant role in the history of America and it is one of the absolute best places to live in the United States. The Bay State is full of history, beautiful scenery and some of the best people in the world.

While Massachusetts is the 7th smallest state by land area, we are the 14th most populous and the 3rd most densely populated state in the country. Visitors come from around the world to take in the history and cultural that is one of the defining features of Massachusetts.

Many of those visitors decide to stay and become residents, settling down in the big cities like Boston, Worcester, and Lowell or heading to smaller, less hectic places such as Westford, Lenox or the always popular Nantucket.

Massachusetts Facts

In 2014, Massachusetts was home to 6.7 million people, which was an increase of 3 percent from 2010. This population growth has made Massachusetts the fastest growing state in New England and the 25th fastest growing state in the country.

The majority of residents call the Boston Metropolitan Area home. Greater Boston is the tenth largest metropolitan statistical area in the country by population. Over 4.7 million people leave in the Boston Metro Area.

Regardless of what you are looking for in a home, Massachusetts has you covered. Everything from million-dollar riverfront homes to affordable houses, condos and apartments.

The residents of Massachusetts have an average household income of $ 64,081, which ranks it as number six in the entire country. The cost of living can vary dramatically depending on what part of the Bay State you call home. The city of Boston can be expensive while a town like Lenox tends to be more affordable.

The median home value in Massachusetts is a fairly pricey $323,800 which is a measly 0.1 percent gain over last year. The prediction is that prices will be headed down 0.6 percent next year which is great news for home buyers, but not so great if you are selling.

Expect to pay a premium for life in Boston. In popular neighborhoods such as Back Bay the average listing price is currently over $2 million but in more affordable neighborhoods like Dorchester the average is closer to $360,000.

Homeowners Insurance in Massachusetts

Massachusetts is a fairly expensive state when it comes to homeowners insurance. It is the 11th most expensive state in country with an average price of $1,150 per year.

One of the best ways to lower your insurance premium is to shop it around. Insurers rate risk differently and shopping a variety of insurance companies will ensure that you are getting the best price. We can help you shop up to 12 insurers, all at once. Fill out our quick and easy form and our insurance partners will send quotes directly to your inbox.

Bundling is another great way to lower your premium. Insure your car and home with the same company and you can save up to 20 percent or more.

Frequently Asked Questions About Rate Quotes

  • What's the average monthly premium homeowners pay in Massachusetts?
    Homeowners in Massachusetts pay on average around $96 a month for homeowners insurance.
  • Which carriers can you provide quotes for comparison shopping?
    We can provide up to 12 top rated carriers which will include rate quotes from: MapFre Insurance, UPC Insurance, Liberty Mutual, Quincy Mutual Group, Progressive, Chubb Personal Insurance, Ace Insurance, United States Liability Insurance Group (USLI), American International Group (AIG), The Andover Companies, Foremost and many more.
  • If I have a new home purchase in Massachusetts, can you help me?
    Yes, we can help you finalize your new homeowners insurance policy for your new home as fast as you need us. If your closing soon and need a homeowners insurance policy that's best fit for your home, please start your Massachusetts homeowners insurance quote today!

Factors to Consider in Massachusetts

Tornados and hurricanes can be a problem in the Bay State. While damage from both of these types of storms is covered by a homeowners policy, flooding which can happen with severe storms is not covered.

If you live in an area where flooding can be an issue, a separate flood policy is a necessity. While flood insurance can be expensive, it can be a financial lifesaver if your house is flooded.

One thing that every homeowner should have is a detailed inventory of their possessions. This can make filing a claim much easier. There are a number of apps that can make this process quicker, allowing you to snap a photo with your phone.

As with any move, be sure to check the crime rates in any neighborhood you are considering. This will not only make sure your family stays safe but will also keep your insurance premiums affordable.

Average Homeowners Insurance Premiums in Massachusetts

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Massachusetts homeowners are paying on average. Did you know that the average homeowners insurance premium in Massachusetts is $1667? Massachusetts is now ranked 8 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Massachusetts is 27.15% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1667 (3.1%)$ 1398
2019$1617 (4.8%)$ 1358
2018$1543 (3.63%)$ 12910
2017$1488 (2.52%)$ 1249
2016$1451 (5.09%)$ 1219

When we combine the state averages over the last decade, the Massachusetts overall average is estimated to be around $1,372.60. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Massachusetts current state rank compare to the rest of the country is #8. Consider shopping your Massachusetts home insurance with us so we can help you save up to 40% or more on your policy.

Find Local MA Homeowners Insurance Quotes & Coverage

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Massachusetts Homeowners Insurance News & Information

  • 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 […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Massachusetts Housing & Real Estate Data

Details:Staticstics
Total Housing Units2808254
Occupied Housing Units2547075
Vacant Housing Units261179
Vacant Housing Units for Rent66673
Vacant Housing Units Rented Not Occupied3822
Vacant Housing Units For Sale25038
Vacant Housing Units Sold Not Occupied6408
Vacant Housing Units For Seasonal Occasional Use115630
Vacant Housing Units All Other Vacants43608
Housing Units Homeowner Vacancy Rate Percent1.5
Housing Units Rental Vacancy Rate Percent6.5
Housing Tenure Occupied Units2547075
Housing Tenure Occupied Units Owner Occupied1587158
Housing Tenure Occupied Units Owner Occupied Population4214212
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.66
Housing Tenure Occupied Units Renter Occupied959917
Housing Tenure Occupied Units Renter Occupied Population2094535
Housing Tenure Occupied Units Renter Occupied Average Household Size2.18

Understanding Massachusetts Homeowners Insurance

When shopping for Massachusetts homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Massachusetts renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Massachusetts, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Massachusetts rates and coverage options.