Massachusetts's best home insurance companies are State Farm, Amica, Chubb, Farmers and Vermont Mutual. State Farm ranks first for affordability, Amica excels in customer service and Chubb leads in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Massachusetts
Updated: June 20, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Massachusetts are State Farm, Amica and Chubb.
For most homeowners, State Farm is the top overall pick for home insurance and if you have a claims history.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Massachusetts?
| State Farm | 84 | 1 | 3 | 4 |
| Amica | 74 | 5 | 1 | 2 |
| Chubb | 72 | 4 | 2 | 1 |
| Farmers | 69 | 2 | 4 | 5 |
| Vermont Mutual | 64 | 3 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what's best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 84 | Overall |
| State Farm | 84 | Older Homes |
| State Farm | 84 | Newer Homes |
| State Farm | 84 | High-Fire-Risk Areas |
| State Farm | 84 | With Claims History |
Best Massachusetts Home Insurance by City
Home insurance provider rankings for Massachusetts cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, State Farm ranks best in Boston, Cambridge, Lowell, Springfield and Worcester with a MoneyGeek score of 84. We've outlined the top options for each city to help you choose the best provider for your location.
| Boston | State Farm | 84 |
| Cambridge | State Farm | 84 |
| Lowell | State Farm | 84 |
| Springfield | State Farm | 84 |
| Worcester | State Farm | 84 |
Best Massachusetts Home Insurance Reviews
Discover the top home insurance providers in Massachusetts, where we spotlight the leaders in affordability, customer service and diverse coverage options to suit your needs.
State Farm: Best for Affordability
The most affordable option for homeowners insurance in Massachusetts is State Farm, with rates as low as $18 monthly. It also ranks highly for customer service, placing seventh in terms of customer satisfaction according to J.D. Power. State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $25 | $295 |
| Newer Homes in High-Fire-Risk Areas | $25 | $295 |
| Older Homes in High-Fire-Risk Areas | $108 | $1,295 |
| Older Homes | $108 | $1,295 |
Amica: Best for Customer Service
Amica may be the most expensive provider on our list, but it leads in customer service among Massachusetts home insurance companies. It holds the top claims satisfaction score and ranks third for customer satisfaction, according to J.D. Power. Amica also offers its Platinum Choice program, which has enhanced coverage for dwellings, electronics, business property, credit card fraud and more.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $127 | $1,522 |
| Newer Homes in High-Fire-Risk Areas | $135 | $1,615 |
| Older Homes | $188 | $2,252 |
| Older Homes in High-Fire-Risk Areas | $199 | $2,390 |
Chubb: Best for Coverage
For new homeowners in Massachusetts, Chubb is a premium home insurance option. Its coverage includes add-ons like extended replacement cost coverage, which pays to have your home repaired or rebuilt to its original condition, even if the cost exceeds your policy limit. This includes upgrades made necessary by modern building codes. According to recent J.D. Power studies, Chubb is also best for customer and claims satisfaction.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $60 | $723 |
| Newer Homes | $60 | $723 |
| Older Homes in High-Fire-Risk Areas | $74 | $883 |
| Older Homes | $74 | $883 |
How to Find the Best Home Insurance in Massachusetts
Finding the best insurance for your needs can be challenging, so we’ve created a step-by-step guide to help you choose the right option.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, your personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Determine how much home insurance costs in Massachusetts to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings, such as bundling policies or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Massachusetts. Use guides to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Use various methods, such as online quotes, agents, or phone inquiries.
Best Homeowners Insurance in Massachusetts: Bottom Line
State Farm, Amica and Chubb are the best-rated homeowners insurance providers in Massachusetts. While these are strong recommendations, researching and comparing providers will help you find the best fit for your specific needs.
Best Home Insurance in Massachusetts: FAQ
Explore our FAQ section to find straightforward answers about choosing a home insurance provider in Massachusetts.
Which company is best for home insurance in Massachusetts?
State Farm is the best homeowners insurance provider in Massachusetts for its mix of affordability, customer service, and coverage options. Amica, Chubb, Farmers, and Vermont Mutual are also top contenders in the state.
Who has the most affordable homeowners insurance in Massachusetts?
The most affordable homeowners insurance in Massachusetts varies based on individual circumstances. However, the average annual premium in Massachusetts is $1,471.
How do you get the best homeowners insurance in Massachusetts?
To find the best home insurance in Massachusetts, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Massachusetts: Our Methodology
We rated the best homeowners insurance providers in Massachusetts using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Amica. "Get a Platinum Choice Home Quote." Accessed June 20, 2025.