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Best homeowners insurance in Massachusetts for 2023

Based on Bankrate's extensive research, the companies writing the best home insurance in Massachusetts are USAA, Allstate, Amica, Travelers and Arbella

Updated May 04, 2023
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Compare the best homeowners insurance companies in Massachusetts

Bankrate’s extensive home insurance research found USAA, Allstate and Amica to be among the best home insurance companies in Massachusetts. Most of the companies on our list offer average rates below the state average of $1,199 per year for $250,000 in dwelling coverage, based on our study of average rates sourced from Quadrant Information Services. 

Additionally, these companies offer competitive coverage options, unique and varied opportunities for home insurance discounts, strong financial strength ratings from AM Best and most were ranked in J.D. Power’s 2022 U.S. Home Insurance Study.

USAA
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
AM Best
A++
J.D. Power
884
/1,000
Average monthly premium
$74
Average annual premium
$884
Get a quote
Allstate
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
815
/1,000
Average monthly premium
$84
Average annual premium
$1,006
Get a quote
Amica
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
849
/1,000
Average monthly premium
$111
Average annual premium
$1,337
Read review
Travelers
Rating: 3.3 stars out of 5
3.3
Bankrate Score
Info
AM Best
A++
J.D. Power
794
/1,000
Average monthly premium
$92
Average annual premium
$1,105
Get a quote
Arbella
Rating: 2.7 stars out of 5
2.7
Bankrate Score
Info
AM Best
A
J.D. Power
Not rated
Average monthly premium
$86
Average annual premium
$1,033
Get a quote
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

The top five home insurance companies in Massachusetts

USAA

Best for military-focused coverage

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 884 AM Best: A++

Average annual premium

$ 884 for $250k dwelling
USAA Review Get a personalized quote

Why USAA made our list: While USAA earned the highest Bankrate Score of the insurance carriers on this list, the company only offers insurance coverage to eligible active-duty members of the military, veterans and their immediate family members, so it won’t be an option for everyone. For those who qualify, the company offers highly-regarded customer service (although it doesn’t qualify for official ranking from J.D. Power) and coverage options tailored to the needs of the military community, like uniform coverage. If you fit the company’s demographic, USAA may be a good homeowners insurance company in Massachusetts for you to consider.

Who USAA may be good for: If you are stationed at Hanscom, Westover or any of Massachusetts' other military bases, USAA might be worth considering. Its coverage options include military-focused elements such as coverage specifically for your uniforms.

Allstate

Best for savings opportunities

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 815 AM Best: A+

Average annual premium

$ 1,006 for $250k dwelling
Allstate Review Get a personalized quote

Why Allstate made our list: When it comes to savings opportunities on Massachusetts home insurance, Allstate has many discounts to offer. There’s at least eight potential discounts for homeowners, including a claim-free discount that awards up to 20 percent off your premium if you switch without a recent claim. Allstate also features a range of discounts and an innovative Claim RateGuard that helps ensure your premium stays steady after filing a claim. However, Allstate’s 2022 J.D. Power customer satisfaction rating is lower than the industry average, which may mean the company has room to improve on meeting policyholders’ needs.

Who Allstate may be good for: If you're pinching pennies after a home purchase, you may want to get a quote from Allstate. The company's average rate is below the state average and numerous discounts may help you to save even more off your premium cost.

Amica

Best for customer satisfaction

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 849 AM Best: A+

Average annual premium

$ 1,337 for $250k dwelling
Amica Review Get a personalized quote

Why Amica made our list: Amica has the highest official customer satisfaction score in the 2022 J.D. Power U.S. Home Insurance study and could be a great fit if you value service. One of Amica’s best perks is the ability to get a dividend returned to you on your policy of up to 20 percent of your annual premium. However, its average premium is higher than the Massachusetts state average.

Who Amica may be good for: If you place a high value on excellent customer service over cost, Amica is worth looking at. Its high rankings for customer satisfaction with J.D. Power indicates a company that values its policyholders and their insurance experiences.

Travelers

Best for customizable coverage

Rating: 3.3 stars out of 5
3.3 Bankrate Score
JD Power: 794 AM Best: A++

Average annual premium

$ 1,105 for $250k dwelling
Travelers Review Get a personalized quote

Why Travelers made our list: Travelers has several options for additional coverage for your home insurance policy, like scheduled personal property, contents replacement and additional replacement cost protection coverage for your property. The company offers several easy ways to potentially save on your policy, too, with multi-policy, protective devices and early quote discounts for eligible policyholders. However, Travelers scored well below average in the 2022 J.D. Power U.S. Home Insurance Study.

Who Travelers may be good for: If you want to be able to craft a policy that reflects your unique situation, Travelers may be a good choice. The company's coverage options allow you to pick and choose the type of insurance that works best for your own property.

Arbella

Best for local agents

Rating: 2.7 stars out of 5
2.7 Bankrate Score
JD Power: Not rated AM Best: A

Average annual premium

$ 1,033 for $250k dwelling
Arbella Review Get a personalized quote

Why Arbella made our list: Arbella, a regional carrier headquartered in Quincy Massachusetts, only offers coverage in Massachusetts and Connecticut, which might mean it’s a good option for homeowners who prefer working with a local agency and company. Arbella offers a few optional coverage types to personalize your policy, but its digital tools are lacking compared to its larger competitors, so it may not be the best fit for those seeking a tech-forward experience.

Who Arbella may be good for: If you are looking for agents who have feet-on-the-ground knowledge of your local community, Arbella may be a good choice. The company sells insurance only in Massachusetts and Connecticut, and has numerous local offices in the two states.

How Bankrate chose the best home insurance companies in Massachusetts

When it comes to finding the best Massachusetts homeowners insurance, Bankrate first reviewed average premium data from Quadrant Information Services. But price doesn’t give a full view of a carrier’s capabilities, so we also analyzed coverage offerings, discounts, digital tools and third-party ratings from organizations like J.D. Power and AM Best. We combined these metrics into our proprietary Bankrate Score model.

Each Score is on a scale from 0.0 to 5.0. The higher a company’s Bankrate Score, the more highly it ranked in the individual rating categories. You can use the Bankrate Score of each company to get a quick view of how competitive that company is across various metrics.

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46
years of industry expertise
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122
carriers reviewed
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20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

How much is home insurance in Massachusetts?

The average cost of homeowners insurance in Massachusetts is $1,199 per year for $250,000 in dwelling coverage, which is cheaper than the national average of $1,428 per year. The state’s average annual premium is slightly lower than some of its neighbors' rates. In Connecticut, the average cost of home insurance for $250,000 in dwelling coverage is $1,244 per year, while in Rhode Island the average cost is $1,233 per year. All three states are susceptible to blizzards, ice storms, nor’easters and hurricanes along the coastline. 

Keep in mind that the amount of dwelling coverage you need to purchase to cover the cost of rebuilding your home will affect your insurance premium. We’ve gathered home insurance premiums for different dwelling coverage amounts in Massachusetts for each carrier on our ‘best’ list to help give you an idea of what you might expect to pay.

Average annual premium by dwelling coverage level in Massachusetts

$150K
$681
$250K
$884
$350K
$1,072
$450K
$1,259
$750K
$1,796
$150K
$843
$250K
$1,006
$350K
$1,184
$450K
$1,367
$750K
$2,006
$150K
$979
$250K
$1,337
$350K
$1,704
$450K
$1,994
$750K
$2,880
$150K
$786
$250K
$1,105
$350K
$1,500
$450K
$1,830
$750K
$3,006
$150K
$762
$250K
$1,033
$350K
$1,300
$450K
$1,576
$750K
$2,532
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Your city and ZIP code plays a role in determining your policy rate. Insurers look at statistics based on how many claims are filed from each region of the state; they charge more for areas where there are an increased number of claims, and less for areas with fewer claims. Here are the cheapest cities in Massachusetts for home insurance, where average rates* are 10 percent below the state average.

  • Lunenburg: $1,083
  • Uxbridge: $1,083
  • West Newton: $1,083
  • Ashland: $1,084
  • Holliston: $1,084

*Rates are for $250,000 in dwelling coverage.

If you live in an area where there are a higher-than-usual number of claims—for example, a Cape Cod town that sees frequent summer storms with their ensuing damage—you are likely to pay more for your home insurance. These are the most expensive cities in Massachusetts for home insurance, where average rates* are 14 to 15 percent above the state average.

  • East Bridgewater: $1,383
  • Bridgewater: $1,381
  • Hanson: $1,378
  • Seekonk: $1,375
  • Abington: $1,372

*Rates are for $250,000 in dwelling coverage.

How to find the best cheap home insurance in Massachusetts

When you're looking for good cheap Massachusetts homeowners insurance, there are a few strategies you can use to ensure that you are getting the best possible rate. Consider these tactics to help you score a reasonably priced policy:

  1. Shop around: Don't stop after asking for just one home insurance quote. Take a look at multiple Massachusetts insurers and get quotes from several.  You may be surprised at the range of options you receive. Just be sure that you're quoting the exact same coverage levels and options with each company so you can make a fair comparison.
  2. Repair your roof: Most home insurers will ask you the age of your roof when you request a quote. An old or poorly-maintained roof can result in a pricey claim, so you are likely to earn a lower rate if you have a newer roof. If your roof is made of storm-resistant materials, some insurers may even give you a discount.
  3. Increase your deductible: Increasing your deductible is likely to lower your rate, since it means you'll be paying more before your policy kicks in after a claim. Make sure that the deductible you choose is an amount that you can comfortably pay on short notice, though. 
  4. Bundle your policies: Most insurers will offer you a substantial discount if you purchase multiple policies from them. Usually, this means homeowners plus auto insurance, but you could also earn a discount from some if you have another type of policy, such as renters insurance

Common home insurance discounts in Massachusetts

Most homeowners are able to save some money on their policy by taking advantage of discounts. These are some commonly offered discounts, and some are quite easy to earn.

Types of home insurance in Massachusetts

You may want to consider adding optional home insurance coverage options to your Massachusetts homeowners insurance coverage for more tailored protection that speaks to the particular needs of residents in the state. For instance, you may want to think about purchasing:

  • Flood insurance: Standard home insurance policies do not cover damage caused by flooding and you will need to purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer. Even if you aren’t in a high-risk flood zone, it might be useful to get a Massachusetts flood insurance quote to decide if the coverage is right for you. A 2021 report indicated that nearly 50,000 Massachusetts homes have a substantial risk of flooding.
  • Identity theft coverage: As we live in an increasingly digital world, identity theft is becoming more common. Many Massachusetts homeowners insurance companies offer this endorsement, which can help pay for legal fees and services like credit monitoring in the wake of an identity theft.
  • Sewer backup coverage: Sewer backups can occur when water or drain lines can’t properly funnel water away from your house, leaving it to back up into your living space. This commonly happens in basements or crawl spaces when sump pumps can’t keep up with heavy rains, but it can happen from any water line. Standard home insurance does not cover this type of damage, so you may want to ask your insurance agent about purchasing this endorsement, which typically costs less than $100 per year in additional premium for $5,000 of coverage, according to the Insurance Information Institute (Triple-I).

Frequently asked questions

Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute