Average Cost of Homeowners Insurance in Massachusetts (2025)

The average cost of homeowners insurance in Massachusetts in 2024 is $2,008. That's $415 less than the national average of $2,423.

Aside from the amount of coverage you get on your home, the insurance provider has the largest impact on premiums, with the difference between the lowest and highest premium amounts reaching $3,423 on average in the Bay State. If your rates have recently increased, we've also analyzed the cheapest plans in the state. This may help you find budget-friendly alternatives without compromising on the quality of coverage.

Massachusetts homeowners pay $2,008 annually for insurance with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. That's $415 less than the national average of $2,423.

Coverage amounts directly impact premiums. A policy with $100,000 dwelling coverage runs $1,187 per year in Massachusetts. A larger home needing $500,000 dwelling coverage jumps to $3,168 annually. Understanding how much coverage you need means matching coverage to what it would cost to rebuild your home and replace your belongings after a loss.

Premiums vary wildly among Massachusetts insurers for identical coverage. Farmers charges nearly half the state average, while Travelers costs almost double, both covering your home equally.

Location, home features and each company's risk calculations create these price gaps. Get quotes from multiple insurers when shopping for the best homeowners insurance in Massachusetts.

Your roof type affects your insurance premium. Massachusetts homes with durable tile roofs earn lower insurance costs. Shake-treated roofs, more vulnerable to damage, drive premiums higher.

Construction materials matter too. Homes built with superior materials resistant to damage cost less to insure. Standard frame construction (common but vulnerable to severe weather) carries higher premiums.

Use the drop-downs in the table to see how different materials impact your insurance costs.

New Massachusetts homes cost about $1,103 to insure, $905 less than older homes. Newer construction avoids risks like structure fires from faulty wiring that plague older properties. Check the table for premium differences across coverage levels.

In Massachusetts, homeowners with a spotless claims record for at least five years can expect an average annual premium of $2,008 for their insurance. Those who have filed one claim within the past five years see an average increase to $2,449, while premiums further rise to $2,878 for homeowners with two claims in the same period.

For the cities we analyzed, we found premiums ranging from $1,681 to $2,271. In Worcester, homeowners may pay around $1,681 annually, while Cambridge homeowners face around $1,804 in annual insurance costs. Boston tops the list for the highest average rate in the state at $2,271.

Location impacts premiums due to varying risks like crime rates and weather patterns — premiums can vary significantly from one city to the next. However, location is just one factor that impacts insurance costs.

Getting a good homeowners insurance deal in Massachusetts is within reach provided you understand how it works. Here's how to find the best deal for you.

Massachusetts homeowners save an average of 15% by bundling policies. Combining auto and home insurance cuts costs by $179 to $616. Check out the best home and auto insurance bundles in Massachusetts to maximize savings.

Massachusetts residents cut homeowners insurance costs with these discounts:

• Loyalty Discount: Stay with one insurer for several years.
• Protective Devices: Install smoke detectors, burglar alarms or security systems.
• Claim-Free History: Go without filing claims for a set period.
• New Home Construction: Newer homes need fewer claims, earning discounts from many insurers.

Ask about all available discounts when getting quotes to maximize savings.

Massachusetts homeowners can use these resources:

• Massachusetts Division of Insurance: Official state insurance regulations.
• Affordable Home Insurance in Massachusetts: Cost-effective coverage options.
• Massachusetts Homeowners Insurance Calculator: Estimate your insurance costs.
• High-Risk Home Insurance Coverage: Insurance for high-risk area homes.
• Top Home Insurance Options in Massachusetts: Best insurance provider comparisons.
• Personal Property Coverage Essentials: Personal property insurance guide.
• Report Insurance Fraud: Report insurance fraud online.