Cheapest and Best Homeowners Insurance in Massachusetts as Rated by Customers in 2024

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#1
/89
4.80 ★★★★★
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#2
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USAA
4.70 ★★★★★
4.70 ★★★★★
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#3
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4.40 ★★★★★
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#4
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4.19 ★★★★★
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#5
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4.14 ★★★★★
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#6
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4.08 ★★★★★
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#7
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4.07 ★★★★★
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#8
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4.06 ★★★★★
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#9
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the hartford
4.05 ★★★★★
4.05 ★★★★★
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#10
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MetLife, Inc.
4.04 ★★★★★
4.04 ★★★★★
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#11
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SageSure
4.04 ★★★★★
4.04 ★★★★★
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#12
/89
4.00 ★★★★★
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#13
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3.97 ★★★★★
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#14
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allstate
3.97 ★★★★★
3.97 ★★★★★
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#15
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3.96 ★★★★★
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#16
/89
3.96 ★★★★★
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#17
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Nationwide
3.94 ★★★★★
3.94 ★★★★★
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#18
/89
3.94 ★★★★★
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#19
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3.93 ★★★★★
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#20
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3.83 ★★★★★
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#21
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PURE
3.80 ★★★★★
3.80 ★★★★★
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#22
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3.76 ★★★★★
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#23
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3.75 ★★★★★
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#24
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3.72 ★★★★★
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#25
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3.72 ★★★★★
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#26
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3.69 ★★★★★
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#27
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3.65 ★★★★★
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#28
/89
3.63 ★★★★★
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#29
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MAPFRE Insurance
3.62 ★★★★★
3.62 ★★★★★
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#30
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3.60 ★★★★★
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#31
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3.54 ★★★★★
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#32
/89
3.54 ★★★★★
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#33
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3.43 ★★★★★
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#34
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3.42 ★★★★★
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#35
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3.39 ★★★★★
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#36
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3.33 ★★★★★
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#37
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3.14 ★★★★★
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#38
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UPC Insurance
3.08 ★★★★★
3.08 ★★★★★
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#39
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3.03 ★★★★★
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#40
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2.96 ★★★★★
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#41
/89
2.70 ★★★★★
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#42
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2.60 ★★★★★
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#43
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2.46 ★★★★★
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#44
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Assurant
2.28 ★★★★★
2.28 ★★★★★
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#45
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2.24 ★★★★★
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#46
/89
2.22 ★★★★★
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#47
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1.93 ★★★★★
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#48
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Swyfft Insurance
1.39 ★★★★★
1.39 ★★★★★
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#49
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5.00 ★★★★★
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#50
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4.93 ★★★★★
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#51
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The Hingham Group
4.81 ★★★★★
4.81 ★★★★★
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#52
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4.53 ★★★★★
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#53
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4.12 ★★★★★
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#54
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Providence Mutual
4.08 ★★★★★
4.08 ★★★★★
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#55
/89
4.08 ★★★★★
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#56
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3.97 ★★★★★
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#57
/89
Vault Insurance
3.93 ★★★★★
3.93 ★★★★★
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#58
/89
3.90 ★★★★★
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#59
/89
3.83 ★★★★★
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#60
/89
3.70 ★★★★★
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#61
/89
Pilgrim Insurance
3.70 ★★★★★
3.70 ★★★★★
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#62
/89
3.61 ★★★★★
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#63
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3.52 ★★★★★
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#64
/89
3.51 ★★★★★
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#65
/89
3.13 ★★★★★
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#66
/89
2.62 ★★★★★
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#67
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2.36 ★★★★★
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#68
/89
2.33 ★★★★★
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#69
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2.28 ★★★★★
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#70
/89
2.18 ★★★★★
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#71
/89
2.18 ★★★★★
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#72
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Openly
1.79 ★★★★★
1.79 ★★★★★
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#73
/89
1.53 ★★★★★
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#74
/89
0.00 ★★★★★
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#75
/89
Acadia Insurance
0.00 ★★★★★
0.00 ★★★★★
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#76
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AFM Insurance
0.00 ★★★★★
0.00 ★★★★★
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#77
/89
0.00 ★★★★★
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#78
/89
0.00 ★★★★★
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#79
/89
0.00 ★★★★★
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#80
/89
General Star
0.00 ★★★★★
0.00 ★★★★★
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#81
/89
0.00 ★★★★★
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#82
/89
0.00 ★★★★★
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#83
/89
0.00 ★★★★★
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#84
/89
0.00 ★★★★★
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#85
/89
Union Insurance
0.00 ★★★★★
0.00 ★★★★★
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#86
/89
0.00 ★★★★★
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#87
/89
0.00 ★★★★★
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#88
/89
Berkley One
0.00 ★★★★★
0.00 ★★★★★
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#89
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0.00 ★★★★★
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How can you find the best and cheapest home insurance rates in Massachusetts?

It’s not pleasant to think about the potential adverse events that could happen to your home, but they can and do happen. The reality is that many events may require a claim: a fire, burglary, or an injury to a third party. Put your mind at ease by knowing that if something were to happen, your house would be covered by your home insurance.

Clearsurance collects customer reviews and rankings for hundreds of homeowners insurance companies in Massachusetts to help you be more confident in your search for homeowners insurance. In the table above, you can sort through every Massachusetts homeowners insurance company ranked on Clearsurance. You can see the company’s rating (based only on customer reviews and ratings) next to each home insurance company. Note: Only companies with at least 25 homeowners insurance reviews are eligible to appear in the best and cheapest Massachusetts homeowners insurance rankings.

You can visit a specific company’s profile page for additional information on any company chosen from the list of the best and cheapest homeowners insurance companies in Massachusetts. On the company’s profile page, you’ll learn about the company, including all insurance coverages it offers and potential discounts available. You can also read customer reviews to see what other policyholders have to say about the home insurance company.

On this page:

Which companies offer the best and cheapest homeowners insurance rates in Massachusetts for a $200K home?

For a home around $200K, Commerce Insurance (MAPFRE) has the cheapest homeowners insurance rates in Massachusetts on average out of the four companies analyzed.

Compare the average home insurance rates for some of the largest homeowners insurance companies in Massachusetts in the table below.

Home Insurance Company Average Rates for $200K Dwelling
Arbella Insurance Group $800
Commerce Insurance (MAPFRE) $668
Merrimack Mutual Fire Insurance Company $922
Safety Insurance Company $792

These rates are based on a $200,000 dwelling with the following coverage limits: $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

Which companies offer the best and cheapest homeowners insurance rates in Massachusetts for a $400K home?

For Massachusetts homes priced around $400K, Safety Insurance offers the cheapest homeowners insurance rates on average, slightly less than Commerce Insurance (MAPFRE).

In the table below, you can see four of the largest homeowners insurance companies in Massachusetts and the average homeowners insurance rates for them.

Home Insurance Company Average Rates for $400K Dwelling
Arbella Insurance Group $1,278
Commerce Insurance (MAPFRE) $1,167
Merrimack Mutual Fire Insurance Company $1,687
Safety Insurance Company $1,159

These rates are based on a $400,000 dwelling with the following coverage limits: $200,000 personal property, $40,000 loss of use, $40,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The house used for the profile was constructed in 2004 and the individual had a good insurance score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

What do Massachusetts property crime statistics indicate?

Theft and vandalism or malicious mischief are among the 16 perils a standard homeowners insurance policy protects you from. So, how does crime in Massachusetts compare to other states around the country? The FBI published the following statistics on crime in Massachusetts for 2016:

  • Property crime - 106,339
  • Burglary - 19,193
  • Larceny theft - 79,088

All three statistics for Massachusetts, when compared to the national average rate per 100,000 inhabitants, rank well below the national average.

What do Massachusetts disaster statistics indicate?

Weather-related incidents are typically among the costliest homeowners insurance claims. FEMA has published statistics for each state since 1953. Data is updated through August 2018. Here’s a look at the Massachusetts federally declared disasters since 1953:

  • Severe storm - 11
  • Hurricane - 10
  • Snow - 8
  • Flood - 7
  • Fire - 3
  • Coastal storm - 2
  • Tornado - 2
  • Severe ice storm - 1

How are homeowners insurance rates calculated in Massachusetts?

Ever wonder why you pay what you do for home insurance? Some things may be obvious, like the age of your home. But other factors that contribute to the price of homeowners insurance in Massachusetts may not be as obvious. Here’s a list of some of the things homeowners insurance companies consider when quoting you a rate:

  • The level of coverage required
  • The size of your mortgage
  • The square footage of your home
  • The geographic location of your home in Massachusetts
  • The condition of your home
  • The age of your home
  • The proximity of your home to a fire station
  • Your previous claims record
  • The amount of your deductible
  • Optional add-ons like umbrella insurance

Note that unlike nearly every other state in the country, Massachusetts doesn’t allow homeowners insurance companies to use your credit score to determine your rates.

Zillow estimates that homeowners can expect to pay approximately $35 each month for every $100,000 of your home's value.

The average cost of homeowners insurance is a bit cheaper than the national average cost. The state's average annual premium is a bit higher compared to average insurance costs in Connecticut or Rhode Island.

A standard homeowners policy from most companies provides coverage to build or repair your home after damages from theft, fire, vandalism, a storm as well as flood damage and earthquake damage. Apart from dwelling coverage, it also includes medical payments and liability coverage in case a visitor is injured in your home or on your property, along with additional living expenses if you need to relocate while repairs are made.

In addition to structures coverage, the policy includes heating and cooling systems, appliances, furniture, clothing and other possessions that may be damaged by a covered event. Some insurance companies have additional coverage such as scheduled personal property coverage, additional replacement cost protection coverage, contents replacement.

Moreover, if their home is in a high-risk zone, some homeowners may choose to purchase a flood insurance policy for extra protection from property damage. Other optional home insurance coverage options in Massachusetts include identity theft and sewer backup. All of these come at an additional cost

How does Clearsurance rate and rank the best homeowners insurance companies in Massachusetts?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well (strengths) compared to the percentage of what customers say the company could do better (opportunities).

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Homeowners Insurance Guide

Your home is likely your most valuable asset, making it that much more important that you insure your home with one of the best Massachusetts homeowners insurance companies. However, it’s crucial to have the right coverage and to understand that coverage beyond just picking an insurance company. Did you know that a standard homeowners insurance policy has six types of coverage? Also, did you know that there are usually 16 types of perils found in a homeowners insurance policy?

At Clearsurance, we want to make sure you have a strong understanding of your homeowners insurance coverage and what it all means. Check out the Clearsurance homeowners insurance guide to become a smarter insurance customer. Also, check out the Clearsurance homeowners insurance blog for more educational content on other homeowners insurance topics.

Frequently Asked Questions

Who offers the best homeowners insurance rates in Massachusetts for a $200K home?

For a home around $200K, Commerce Insurance (MAPFRE) has the cheapest homeowners insurance rates in Massachusetts on average out of the four companies analyzed.

Who offers the best homeowners insurance rates in Massachusetts for a $400K home?

For Massachusetts homes priced around $400K, Safety Insurance offers the cheapest homeowners insurance rates on average, slightly less than Commerce Insurance (MAPFRE).

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