MoneyGeek gathered quotes from the best home insurance companies in Massachusetts and ranked them for various types of homeowners. We also looked at the coverages and discounts offered by these providers.
State Farm offers the best home insurance in Massachusetts and for homeowners on a budget. Homeowners prioritizing quality service or insuring an expensive home will find Amica Mutual to be the best choice. Homeowners who want to bundle insurance should consider Allstate.
MoneyGeek also analyzed the cheapest homeowners insurance providers in Massachusetts for those more concerned with saving on their monthly bill.
The Best Homeowners Insurance in Massachusetts






The Best Overall Homeowners Insurance Companies in Massachusetts
To identify whether an insurer is one of the best home insurance companies in Massachusetts, homeowners should look at its customer satisfaction ratings, claims reputation, affordability and financial stability.
MoneyGeek scored the top providers in the state based on these criteria. Overall, the following companies scored the highest:
- State Farm: MoneyGeek score of 88 out of 100
- Amica Mutual: MoneyGeek score of 85 out of 100
USAA earned the highest MoneyGeek score of 93 out of 100. However, policies from this provider are only available to former and current military members and their families. Due to its limited availability, USAA is excluded from our rankings.
To understand why State Farm and Amica Mutual earned the highest overall score, MoneyGeek broke down the unique coverages and discounts offered by these two companies.
The Top Home Insurance Companies in Massachusetts

Policies from State Farm cost an average of $1,692 per year. It ranked first in stability and affordability as well as second in satisfaction in Massachusetts. Homeowners who put their properties up for rent can benefit from home rental coverage.
State Farm scored the highest based on MoneyGeek’s scoring system, making it the best home insurance in Massachusetts. If you use your home as a rental property, you can get rental insurance. This is a unique coverage from State Farm. Additionally, homeowners who vacate their homes for more than 30 days can get protection against vandalism, glass breakage and other damages while they are away.
Read MoneyGeek's State Farm home Insurance Review
Amica Mutual scored the highest in satisfaction and second highest in stability. With policies costing an average of $3,033 per year, it earned a lower score in terms of affordability. Amica Mutual’s earthquake coverage can protect your home from earthquakes.
Amica Mutual doesn’t offer many unique coverages, but it does provide earthquake coverage. This will help pay for the cost of damages caused by earthquakes. The insurer also offers discounts if you bundle your policy or you remain claims-free for at least three years.
Read MoneyGeek's Amica Mutual home Insurance ReviewMoneyGeek gathered quotes from all over the country and balanced them against J.D. Power’s customer satisfaction and property claims ratings. We used these figures to rank the best home insurance nationally and in Massachusetts.
The cost of your home insurance and your experience with the home insurance company may differ based on your circumstances. For additional details, you can read MoneyGeek’s methodology.
The Best Homeowners Companies in Massachusetts for Service Quality
For homeowners who value service quality from a company more than the price of its policies, MoneyGeek ranked the best home insurance in Massachusetts based entirely on customer satisfaction and claims ratings.
The best-rated home insurance companies in Massachusetts with the highest service quality scores are:
- Amica Mutual: MoneyGeek score of 90 out of 100
- Chubb: MoneyGeek score of 82 out of 100
Excluded from the rankings is USAA. Though it received the highest MoneyGeek score of 100 out of 100, it is an exclusive company that only caters to military members and their families.
We researched Amica Mutual and Chubb’s unique coverages and discounts to help you better understand why these two companies ranked the highest for those who want the best possible service experience.
The Top Home Insurance Companies in Massachusetts for Quality Service

Amica Mutual scored higher on its claims rating than customer satisfaction. This means that policyholders can expect a great service experience if they ever need to file a claim.
Amica Mutual ranks as the best home insurance in Massachusetts for homeowners who value service quality. The only unique coverage it offers is earthquake coverage. However, it scored well due to its affordability and customer service.
Read MoneyGeek's Amica Mutual home Insurance Review
Chubb earned a higher score in claims than customer satisfaction. This means that policyholders will have a great experience if they have to file a claim.
In the event of a total loss, Chubb gives its policyholders the option to get a cash settlement up to their policy limit if they decide not to rebuild their homes. It also offers risk consulting coverage, which inventories all your valuable belongings to ensure you have adequate coverage and protection.
Read MoneyGeek's Chubb home Insurance ReviewThe Best Homeowners Companies in Massachusetts on a Budget
For homeowners who want stellar service but need to save as much as possible on home insurance, MoneyGeek ranked the best insurance companies in Massachusetts based on the cheapest policy rates.
The cheapest home insurance companies in Massachusetts are:
- State Farm: MoneyGeek score of 94 out of 100
- AIG: MoneyGeek score of 89 out of 100
State Farm has an average premium of $1,692 per year, while AIG has an average premium of $1,895 per year. MoneyGeek broke down State Farm’s unique coverages and discounts to explain why this company ranked the best for homeowners who are on a budget.
The Top Home Insurance Companies in Massachusetts on a Budget

pros
Affordable home insurance coverage at $1,692 per year
Protective device and home renovation discounts
MoneyGeek satisfaction rating of 4.01
cons
No extended reimbursement coverage
No contents replacement cost coverage
COMPANY HIGHLIGHTS
Based on MoneyGeek’s scoring system, State Farm earned an overall score of 94 out of 100 in terms of affordability. Some of its more common discounts include new home, home renovation and protective devices.
It offers a rare discount if you use roofing materials for your home that are impact-resistant. Buying insurance from State Farm for consecutive years can also earn you discounts for being loyal to the company.
The Best Homeowners Companies in Massachusetts for Expensive Homes
If you own an expensive home, it will cost more to rebuild. This is why you need home insurance coverage that can accommodate such expenses. MoneyGeek rated the best home insurance in Massachusetts for homes that are worth more than $2 million to replace and balanced the price with customer satisfaction.
The top-rated companies for expensive homes in Massachusetts include:
- Amica Mutual: MoneyGeek score of 89 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA got a MoneyGeek score of 99 out of 100. However, it was excluded from our rankings since it only caters to military members and their families.
MoneyGeek broke down why Amica Mutual scored the highest for expensive homes and the coverages it provides.
The Top Home Insurance Companies in Massachusetts for High-Value Homes

pros
In the top half of companies reviewed in terms of affordability
MoneyGeek satisfaction rating of 4.46 out of 5
cons
They do not offer building ordinance or law coverage
COMPANY HIGHLIGHTS
Amica Mutual ranked well for expensive homes, with a MoneyGeek score of 4.46 out of 5 on satisfaction. With an average annual premium of $8,745, Amica Mutual’s policies for expensive homes in Massachusetts are fairly affordable compared to other companies that MoneyGeek reviewed.
Amica Mutual provides coverages that MoneyGeek considers good for high-value homes. This includes scheduled property coverage, which protects not only your property but all other valuable items inside. It provides full repair or replacement of your damaged property up to your selected limit with contents replacement cost coverage. Plus, in case of identity theft or if there has been unauthorized use of your credit card, Amica Mutual offers assistance to restore your identity and reimburses you up to the policy limit.
The Best Homeowners Companies in Massachusetts for Veterans
MoneyGeek scored the best providers in the state for homeowners that are also part of a military family. Though there are a number of providers with great coverage and discount offers, USAA is consistently the best insurer for veterans. USAA policies only cater to current and former military members as well as their families.
In Massachusetts, USAA got a MoneyGeek score of 93 out of 100, the highest in the state. On average, policies from this company cost $2,841 per year.
The Top Home Insurance Companies in Massachusetts for Veterans

pros
Coverages are tailored to military members and families
MoneyGeek satisfaction and stability rating of 5 out of 5
cons
Not available if you don’t have a military background
MoneyGeek affordability score of 3.89 out of 100
COMPANY HIGHLIGHTS
USAA ranks well in customer satisfaction, with a MoneyGeek score of 5 out of 5, and often scores above other providers. However, it has limited availability and only offers its policies to its members.
Included in USAA’s list of coverages is contents replacement cost. This covers the current value of your property or belongings without factoring in depreciation. Aside from protective device discounts for installing security systems and water sensors, USAA also offers claims-free discounts to those who have not filed claims for five or more years.
The Best Homeowners Companies in Massachusetts for Bundling
If you’re looking to shop for car insurance as well as home insurance, MoneyGeek rated the best auto and home insurance bundles in Massachusetts. This can help anyone looking to balance the best home insurance policies with the best car insurance in Massachusetts.
In Massachusetts, the two companies with the highest scores are:
- Allstate: MoneyGeek score of 84 out of 100
- Travelers: MoneyGeek score of 66 out of 100
Getting home insurance and auto insurance from the same provider can give you extra discounts. It also provides convenience as you are only dealing with one provider.
The Top Home Insurance Companies in Massachusetts for Bundling

pros
Auto insurance MoneyGeek score of 4.31 out of 5
24% discount when you bundle
cons
Home insurance MoneyGeek score of 3.73 out of 5
COMPANY HIGHLIGHTS
Though Allstate ranked a bit low on home insurance, it did well on auto insurance and got a perfect score on discounts, offering up to 24% for bundling your insurance.
Allstate provides energy-efficient upgrade home insurance coverage that covers the additional cost of replacing damaged or destroyed appliances with more energy-efficient items. It even increases the coverage limits for items like trees, landscaping and riding lawn mowers.
Unique auto coverage from Allstate includes coverage for portable electronics and media types of loss. Another unusual coverage offering from Allstate is custom parts coverage. This typically provides coverage for a loss to custom equipment caused by a comprehensive type of loss.
How to Find the Best Home Insurance in Massachusetts
Looking for home insurance in Massachusetts requires reviewing the company's service reputation and financial stability along with the cost of policies that it offers. MoneyGeek collected this information to make shopping easier, but you can go through the process yourself using the following steps.
Research Customer Service Reputations in Massachusetts
MoneyGeek’s ranking system and research can help you find the best home insurance companies in Massachusetts that match your needs as a homeowner. If you need to know more about a specific insurer, you can go through the same process by looking up their J.D. Power satisfaction scores and NAIC complaint ratios. The Massachusetts Division of Insurance website is also a helpful resource if you have state-specific questions.
Compare Quotes for Yourself
The averages that we have shown in our rankings are based on our sample homeowner, which may have a different homeowner profile than yours. To get a better estimate of your home insurance cost, we recommend comparing quotes from at least three providers.
Make Sure the Company Has Coverages You Want in Massachusetts
Insurance providers offer a list of coverages and discounts, but they are not always available in every state. Before you sign up for a policy, especially if you want a certain coverage or discount, confirm with the insurance company whether it is provided in your state.
Double-Check Financial Stability Ratings
Before you buy a policy, make sure to check the insurance company’s financial stability rating through the major ratings. Financial stability gives you an idea of the insurance company’s ability to pay your claims. In Massachusetts, regional insurance companies may have lower ratings.
FAQs About the Best Home Insurance in Massachusetts
The best home insurance in Massachusetts varies depending on the homeowner’s profile. If you live in Massachusetts, here are some answers to questions you might have about home insurance in the state.
Expert Advice on Home Insurance in Massachusetts
- What advice would you give for first-time buyers looking for homeowners insurance in your state?
- How do regulations and laws in your state impact the amount or type of coverage a homeowner should buy?
- Are there any environmental factors homeowners should consider when selecting a home insurance plan in your state?

President & CEO, Plymouth Rock Home Assurance
Methodology
MoneyGeek scores for homeowners insurance in Massachusetts were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Massachusetts that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Massachusetts. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $500,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick
