Dwelling coverage sets the foundation for your homeowners insurance premium. Massachusetts homeowners should match their dwelling coverage to the full rebuild cost of their home. Use the free calculator below to estimate how much dwelling coverage you need. For a broader look at top-rated carriers, see the best homeowners insurance options available nationwide.
Home Insurance Calculator in Massachusetts
Updated: July 18, 2026
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Key Takeaways
According to our research, the average cost of homeowners insurance in Massachusetts is $161 per month ($1,932 per year) for $250,000 in dwelling coverage.
To calculate how much home insurance you need, start with the replacement cost of your home, not its market value. Massachusetts reconstruction costs vary by region, and Cape Cod's coastal communities can carry different rebuilding costs than the Greater Boston metro.
To lower your rates, compare providers widely: in our study, USAA (available to military members, veterans and their immediate families) is the cheapest at $99 per month and Travelers is the most expensive at $372 per month, a spread of $3,276 per year, making provider comparison the most effective savings strategy in a state where credit score doesn't affect premiums.
How Much Home Insurance Do You Need in Massachusetts?
Home Replacement Cost Estimator
A simple way to get a replacement cost estimate for your home is to find the average per-foot rebuilding cost for your area and multiply that by your home's overall square footage.
Home Details
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How Much Personal Property Coverage Do You Need in Massachusetts?
Personal property coverage reimburses the cost of belongings damaged, destroyed or stolen in a covered event. Massachusetts homeowners should inventory each room and assign current retail values to furniture, electronics, clothing and appliances. Use the free calculator below to estimate the personal property coverage limit that fits your household.
Personal Property Coverage Calculator
When figuring out how much homeowners insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
How to Decide How Much Home Insurance to Buy in Massachusetts
The three coverages that shape your Massachusetts homeowners insurance premium are dwelling coverage, personal property coverage and personal liability coverage.
Dwelling CoverageDwelling coverage pays the insurer's maximum rebuild payout and is the core structural driver of your Massachusetts premium. Standard coverage limits range from $100,000 to $1 million, though actual options depend on the provider. To determine your amount, get a professional rebuild estimate that accounts for Massachusetts construction costs, including higher labor rates in the Greater Boston metro and wind-resistant materials required in Cape Cod and coastal communities.
Personal Property CoveragePersonal property coverage reimburses you for the loss of belongings in a covered event and is sized relative to the total value of what you own. Standard coverage limits span $50,000 to $500,000, though actual options depend on the provider. Calculate your amount by walking through each room and totaling the replacement cost of every item at today's prices, including seasonal items, artwork and any high-value collections that may need a scheduled endorsement for full coverage.
Personal Liability CoveragePersonal liability coverage protects your household assets if someone sues you for injury or property damage, and it is sized to match your total net worth exposure. Standard coverage limits run $100,000 to $1 million, though actual options depend on the provider. Add up your household assets, then choose a limit that would cover a judgment against you in a lawsuit. Massachusetts homeowners with waterfront property, rental units or historically registered homes should evaluate whether the base limit provides adequate protection.
Estimate Your Massachusetts Home Insurance Cost
Estimate your homeowners insurance rates using your desired coverage level and deductible and your home age. Estimates use a profile of a 41- to 60-year-old homeowner with no prior claims insuring a 2,500-square-foot house.
Massachusetts Home Insurance Rate Calculator
A profile of 41- to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How Massachusetts Home Insurance Costs Are Calculated
According to our analysis, Massachusetts homeowners insurance premiums are shaped by five factors: coverage levels, provider, city, house age and claims history. Massachusetts prohibits insurers from using credit-based insurance scores, so unlike most states, provider comparison is the dominant cost lever in our data, with a $3,276 annual spread between the cheapest and most expensive carriers.
Coverage LevelYour dwelling coverage limit sets the insurer's maximum rebuild payout and is the core structural driver of your Massachusetts premium. Our Massachusetts data shows premiums scaling from $112 per month at $100,000 in dwelling coverage to $480 per month at $1 million. Use the calculator above to match your specific rebuild cost to the right coverage tier based on our data.
ProviderInsurer pricing varies based on each company's proprietary risk models, and the nine Massachusetts providers in our dataset generate the widest premium gap we measured, making this the single most powerful savings lever in a state that bans credit scoring. Our research found USAA (available to military members, veterans and their immediate families) at $99 per month versus Travelers at $372 per month, a $3,276 annual spread. Six of the nine carriers price below the state average in our data, so quoting broadly gives Massachusetts homeowners multiple affordable options.
CityMassachusetts rates vary by ZIP code based on coastal wind exposure, fire service proximity and regional construction costs. Our data shows Woburn at $128 per month versus Dennis Port at $271 per month, a $1,716 annual gap reflecting Cape Cod's elevated risk profile. Coastal communities from Cape Cod to the South Shore run 29% to 68% above the statewide mean in our data, making ZIP code entry especially important when estimating your premium.
House AgeOlder Massachusetts homes carry higher premiums due to aging systems and pre-code construction common in the state's large stock of historic housing. Our analysis found newer homes at $109 per month versus older homes at $169 per month, a $720 annual difference. Documented system upgrades and renovation credits are a practical step for older homeowners looking to reduce that gap.
Claims HistoryFiling claims in the past five years triggers surcharges that compound across renewal cycles. Our research shows claim-free homeowners paying $161 per month versus two-claim homeowners paying $223 per month, adding $744 per year. Weigh the payout of a smaller claim against the cumulative surcharge over three to five renewal cycles before deciding whether to file.
All rates referenced on this page are based on our analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible.
How to Save on Home Insurance in Massachusetts
Massachusetts premiums are 44% below the national average and the state bans credit-based insurance scoring, but our research still uncovered a $3,276 annual provider spread and a $1,716 city gap that give homeowners room to reduce costs. Get affordable homeowners insurance in Massachusetts by following our tips below:
- 1Compare Providers
Our data shows a $3,276 spread between USAA (available to military members, veterans and their immediate families) and Travelers, and since Massachusetts bans credit scoring, provider comparison is the single most impactful lever available. If you own a home on Cape Cod where premiums run 68% above the state average in our data, quoting all nine carriers is essential since the provider spread can offset most of that geographic penalty. If you're a first-time Massachusetts buyer in the Greater Boston area, start with Farmers and The Andover Companies, the two cheapest widely available options in our study at $105 and $109 per month.
- 2Bundle Home and Auto Insurance
Bundling home and auto insurance through the same provider can trim 5% to 25% off your Massachusetts premium. Many of the carriers in our Massachusetts dataset offer multi-policy discounts, so it's worth asking for a combined quote when you shop.
- 3Ask About Available Discounts
Providers like State Farm and Amica offer Massachusetts discounts for protective devices, updated roofing, claims-free records and multi-policy accounts. Review all available home insurance discounts before finalizing your policy to make sure you're not leaving savings on the table.
- 4Raise Your Deductible
Based on our Massachusetts rate data, moving your deductible from $500 to $2,000 lowers the average annual premium from $2,072 to $1,742, saving $330 per year. A higher deductible means you'll pay more upfront if you file a claim, so keep that tradeoff in mind before making the switch.
We analyzed 3,402,000 home insurance quotes across 15 Massachusetts ZIP codes to produce the rates on this page. Data comes from Quadrant Information Services. Our baseline homeowner profile is age 41 to 60 with no recent claims. The baseline home was built in 2000, is wood-frame construction and carries a $250,000 replacement value. The standard coverage package is $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. Learn more about our home insurance methodology.
Massachusetts Home Insurance Calculator: Bottom Line
Provider comparison is the highest-impact step Massachusetts homeowners can take, according to our research. The state's ban on credit-based insurance scoring means the $3,276 annual spread between the cheapest and most expensive carriers is entirely within your control. City variation adds another $1,716 per year in our data, concentrated on the Cape Cod coastline.
If you own a Cape Cod home, combining aggressive provider shopping with wind-mitigation discounts is the most effective strategy in our data. If you're a first-time buyer in the Greater Boston area with a clean claims record, Farmers averaged $105 per month in our study, well below the $161 state average, and bundling your home and auto policies can push costs even lower.
Massachusetts Home Insurance Estimate: FAQ
Massachusetts homeowners estimating costs encounter a unique market: credit scores don't affect premiums here, but provider choice and coastal location create up to $3,276 in annual variation in our data.
According to our study, the average cost of homeowners insurance in Massachusetts is $161 per month ($1,932 per year). Your actual cost depends on your provider, location, claims history, house age and coverage level. In our data, rates range from $99 per month with USAA (available to military members, veterans and their immediate families) to $372 per month with Travelers.
Massachusetts prohibits insurers from using credit-based insurance scores to set homeowners insurance premiums. That makes provider comparison and location the primary cost variables for Massachusetts homeowners, since the two levers that dominate in other states, credit and insurer pricing models, are reduced to just one here.
Start with the full replacement cost of your home, factoring in Massachusetts construction prices rather than market value, then tally your belongings room by room to set your personal property coverage limit and select a liability limit that covers your total household assets. Our free calculators above walk through each step so you can build a coverage package matched to your specific Massachusetts property.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.