Best Homeowners Insurance in Massachusetts (2024)

Chubb is Massachusetts' top home insurance company, tailored to meet your specific requirements. It is also the best provider those with new homes. For cost-conscious individuals, State Farm is the most budget-friendly option. Amica is the leading choice for more extensive dwelling coverage.

Our analysis is generally based on a $100,000 dwelling coverage limit. The amount of dwelling coverage you need affects your rate. If saving money is a priority, explore the cheapest home insurance in Massachusetts, particularly when service quality is a secondary consideration.

Chubb provides the best home insurance in Massachusetts. Below are the best homeowners insurance providers for robust home protection:

• Chubb: MoneyGeek score of 88 out of 100 ($814 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($526 per year)

In Massachusetts, homeowners have a host of choices for insurance that vary in cost and service quality. It's essential to strike the right balance to ensure you get an affordable rate and service that meets your needs. Always consider both factors when choosing a policy that's right for you.

Amica is the best home insurance provider in Massachusetts, specifically excelling in service quality. Those seeking optimal home protection can find the finest service quality among these insurers:

• Amica: MoneyGeek score of 94 out of 100 ($1,568 per year)
• Chubb: MoneyGeek score of 83 out of 100 ($814 per year)

Valuing service quality in a home insurance provider means prioritizing excellent customer support, efficient claims handling and overall reliability. Homeowners should opt for high service quality to ensure a swift and hassle-free response, like quick aid after a storm damages a roof.

State Farm offers the best affordable homeowners insurance in Massachusetts for those on a tight budget. The providers below are the top two best and cheapest homeowners insurance options:

• State Farm: MoneyGeek score of 92 out of 100 ($526 per year)
• Chubb: MoneyGeek score of 91 out of 100 ($814 per year)

Although State Farm offers the cheapest premiums, this does not guarantee the best service. Considering the average cost of home insurance in Massachusetts, it is prudent to choose a company that provides a balance of low-cost premiums and top-notch service. For example, a family with valuable possessions might prioritize a higher coverage option even if it means a slight increase in premiums.

Amica is the top choice for homeowners with expensive homes in Massachusetts. The companies below are the premier options for those needing $1 million in dwelling coverage.

• Amica: MoneyGeek score of 80 out of 100 ($7,567 per year)
• Farmers: MoneyGeek score of 77 out of 100 ($3,453 per year)

Amica shines for its overall quality and affordability. For owners of expensive homes seeking insurance that balances value and protection, making the right choice is critical. With Amica, homeowners can enjoy peace of mind knowing they have excellent coverage at a competitive rate.

Chubb is the top home insurance provider in Massachusetts for new homes. These companies are the best and most affordable homeowners insurance providers for those with new homes:

• Chubb: MoneyGeek score of 91 out of 100 ($2,433 per year)
• Amica: MoneyGeek score of 66 out of 100 ($2,867 per year)

With high affordability and customer service scores, Chubb offers Massachusetts homeowners an exceptional balance of cost-efficient and reliable service. This blend ensures that those with new homes receive high-quality protection for their investment without compromising on customer care.

Chubb is the top provider of homeowners insurance for veterans in Massachusetts, with exclusive offerings for military members, veterans and their families. These are the best and most economical providers for veterans and their families:

• Chubb: MoneyGeek score of 86 out of 100 ($814 per year)
• USAA: MoneyGeek score of 84 out of 100 ($1,269 per year)

The ideal homeowners insurance company for veterans recognizes their distinctive requirements, such as frequent moves and the possibility of deployment, ensuring homes and possessions remain secure.

The best homeowners insurance providers balance exceptional customer service and comprehensive coverage at competitive premiums. The ideal policy for you hinges on your requirements, such as the value of your home and personal belongings. These steps will guide you through finding a homeowners insurance policy that meets your specific needs.

Choosing the best homeowners insurance provider in Massachusetts hinges on your specific requirements. As you navigate this decision, common questions arise, guiding you toward a policy that aligns with your needs. Explore these frequently asked questions to find clarity in your search for the ideal coverage.