Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Massachusetts Average homeowners insurance cost in Massachusetts Homeowners insurance in Massachusetts costs $1,622 per year or $135 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Massachusetts costs an average of $1,622 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Massachusetts by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $1,622 a year, based on our analysis.Of all the ZIP codes in Massachusetts, 1342 has the most affordable home insurance rates at around $1,149 annually.In Massachusetts, Andover Insurance provides the most affordable home insurance at an average annual premium of $871. Average home insurance cost in Massachusetts by coverage levelIn Massachusetts, the annual homeowners insurance cost is $1,622, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $1,016 in Massachusetts, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Massachusetts based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,286$107200000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,303$109300000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,622$135300000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,640$137400000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,979$165400000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,998$166600000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,734$228600000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,755$2301000000 with 1000 Deductible and 100000 Liability and 2% Deductible$4,346$3621000000 with 1000 Deductible and 300000 Liability and 2% Deductible$4,370$364In Massachusetts, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in MassachusettsBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Massachusetts based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that Andover Insurance received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreAndover Insurance$871A0.085Vermont Mutual$1,343A+0.074.77Arbella Insurance$1,454A0.044.65Mapfre Insurance$1,755A0.074.41Safety Insurance$1,671A0.184.32Travelers$1,676A++0.543.96State Farm$1,162A++0.953.74Allstate$1,995A+0.93.15Average homeowners insurance cost by company in MassachusettsAndover Insurance offers the most affordable homeowners insurance in Massachusetts, at an average annual premium of $871, followed by Heritage Insurance Holdings and State Farm.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Massachusetts homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateAndover Insurance$871$73Heritage Insurance Holdings$1,016$85State Farm$1,162$97Vermont Mutual$1,343$112Arbella Insurance$1,454$121Safety Insurance$1,671$139Travelers$1,676$140Mapfre Insurance$1,755$146Allstate$1,995$166Amica$2,711$226USAA$1,840$153Massachusetts homeowners insurance rates by ZIP codeIn Massachusetts, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in Massachusetts. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in MassachusettsHomeowners insurance costs in Massachusetts can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 1342 area has the most affordable insurance rates, at $1,149 annually or $96 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Massachusetts.ZIP codeAverage annual rateAverage monthly rate1342$1,149$961267$1,150$961236$1,155$961367$1,161$971376$1,164$971354$1,165$971351$1,166$971379$1,175$981301$1,176$981257$1,177$98Most expensive ZIP codes for home insurance rates in MassachusettsYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In Massachusetts, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In Massachusetts, 2552 has the highest homeowners insurance rates, at $3,139 per year.Here, we’ve highlighted some of the most expensive ZIP codes in Massachusetts for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate2552$3,139$2622554$3,106$2592535$3,089$2572539$2,982$2492564$2,964$2472663$2,824$2352568$2,819$2352573$2,778$2312657$2,767$2312557$2,743$229Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Massachusetts by cityBostonLeedsMiltonNorfolkRichmondRochdaleSpringfieldTewksburyWilmingtonWorcesterShow moreHome insurance rate trend in MassachusettsWe analyzed home insurance rate trends in Massachusetts and found that homeowners insurance rates experienced an overall increase of 8% or $123, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,921$1,499$1,622To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in Massachusetts.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Massachusetts Average renters insurance cost in Massachusetts Average car insurance cost in Massachusetts Non-owner car insurance in Massachusetts How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson Best high-value home insurance companies of 2025 By Jake Safane How to calculate your home’s replacement cost By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson What is dwelling coverage and how much do you need? By Lena Borrelli How to find a homeowners insurance policy By Shivani Gite On this page Average home insurance cost in Massachusetts by coverage levelBest homeowners insurance companies in MassachusettsAverage homeowners insurance cost by company in MassachusettsMassachusetts homeowners insurance rates by ZIP codeHome insurance rate trend in MassachusettsResources & methodology ZIP Code Please enter valid ZIP See rates