Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Massachusetts are Chubb, USAA and Amica.
USAA offers the highest-quality homeowners insurance in Massachusetts with the lowest average annual premium at $1,187.
Flooding threats from coastal storms and heavy rainfall drive up Massachusetts premiums. Shop around for comprehensive, affordable protection.
Chubb is the best home insurance company for most Massachusetts homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Chubb | 4.76 | 4 | 3 | 2 |
| USAA | 5 | 1 | 1 | 1 |
| Amica | 4.63 | 7 | 2 | 6 |
| State Farm | 4.59 | 5 | 4 | 3 |
| Farmers | 4.54 | 2 | 5 | 7 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Massachusetts' coastal communities face different insurance challenges than inland regions, from hurricane exposure near the Atlantic to winter storm risks throughout the state. Our research identified the top-rated insurer for major cities based on affordability, customer satisfaction and coverage options.
| Fairhaven | USAA | $1,158 |
| Dennis Port | USAA | $1,044 |
| Dorchester | USAA | $1,145 |
| Cambridge | USAA | $1,229 |
| Springfield | USAA | $1,208 |
| Lowell | USAA | $1,243 |
| Groton | USAA | $1,087 |
| Roxbury Crossing | USAA | $1,234 |
| Woburn | USAA | $1,118 |
| Worcester | USAA | $1,259 |
Massachusetts home insurance costs an average of $1,932 annually, though rates vary based on personal and home factors. Poor credit drives premiums up to $4,613 yearly, while excellent credit brings costs down to around $1,069, making credit score the biggest differentiator. Coverage levels also create variations: $500,000 in dwelling coverage costs $3,098 compared to $1,343 for $100,000 protection.
Overall average | $1,932 | $161 |
$100,000 dwelling coverage | $1,343 | $112 |
$500,000 dwelling coverage | $3,098 | $258 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,069 | $89 |
Poor Credit | $4,613 | $384 |
Compare home insurance rates in Massachusetts to find affordable coverage that protects against the state's coastal storms, winter damage and flooding risks. Shop for policies that address local hazards while fitting your budget.
Assess your home's replacement cost and Massachusetts' natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Massachusetts' high rebuilding costs.
Massachusetts home insurance averages $1,932 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Massachusetts-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Massachusetts' temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Massachusetts homes.
Update your dwelling coverage annually to match rising construction costs and your home's current replacement value. Massachusetts' coastal storm risks and housing market fluctuations mean your coverage needs change over time. Review your policy each year and shop for new quotes, especially after home improvements.
Chubb, USAA and Amica lead Massachusetts' home insurance market with strong financial ratings and comprehensive coverage options. Compare quotes from these providers and prioritize protection against the state's winter storms and coastal flooding while ensuring adequate rebuilding costs and liability coverage.
Common questions Massachusetts homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage coverage. Homeowners must purchase separate flood insurance through the National Flood Insurance Program or private insurers to protect against flooding. This separate policy covers structural damage and personal belongings damaged by rising water from storms, overflowing rivers, or rapid snowmelt.
Your dwelling coverage needs to match the complete reconstruction cost of your home, which differs from its market value. Inventory your personal belongings to establish appropriate personal property coverage limits. Getting a professional appraisal or using construction cost calculators helps determine accurate rebuild expenses for proper protection.
Massachusetts flooding significantly increases home insurance rates as insurers adjust premiums to reflect higher damage risks and costly water-related repairs. Coastal properties and homes near rivers face the steepest rate increases due to elevated flood exposure. However, homeowners can secure discounts by installing flood-resistant materials, sump pumps, and proper drainage systems, which reduce potential damage while lowering premium costs.
Replacement cost coverage pays to replace damaged items with new ones at current market prices, while actual cash value coverage only reimburses you for what your belongings were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand-new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Massachusetts-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Massachusetts homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Massachusetts' high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Massachusetts needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Massachusetts' specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Massachusetts homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
