Updated: September 8, 2026
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Top renters insurer in Massachusetts: Amica
Most affordable renters insurance in Massachusetts: Safety
Typical renters insurance rate in Massachusetts: $177 per year
With a MoneyGeek score of 4.9 out of 5, Amica ranks as Massachusetts's best renters insurance provider at $12 per month. The company leads for its customer experience and affordability.
These five companies earned the top MoneyGeek scores for renters insurance in Massachusetts:
| Amica | 4.91 | $12 | $141 |
| The Andover | 4.79 | $12 | $146 |
| Lemonade | 4.75 | $12 | $144 |
| Arbella | 4.56 | $13 | $152 |
| Plymouth Rock Insurance | 4.49 | $14 | $167 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Massachusetts Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Massachusetts renters pay $177 a year for a standard policy with a $500 deductible, $5 below the national average of $182. Unlike most states, Massachusetts prohibits insurers from using credit scores in pricing. Your rate here depends on your location, coverage amount and claims history, not your credit profile.
One factor that works against renters here: the high cost of living means belongings cost more to replace. A laptop, sofa and wardrobe that might total $8,000 to replace in Kansas can easily reach $12,000 in Boston. That gap affects claim payouts and is one reason liability limits matter as much as the premium itself.
Safety charges $11 a month for $20,000 in personal property coverage, the lowest rate in Massachusetts for this coverage level and $4 below the state average of $15 a month. That works out to $48 less per year.
The 10 most affordable companies range from $11 to $23 monthly for identical coverage. Eight of 10 insurers in our dataset come in below the state average.
| Safety Insurance | $11 | $-3 |
| Vermont Mutual Insurance | $12 | $-3 |
| Amica | $12 | $-3 |
| Lemonade | $12 | $-3 |
| The Andover | $12 | $-3 |
| Arbella | $13 | $-2 |
| Plymouth Rock Insurance | $14 | $-1 |
| Universal Insurance | $14 | $-1 |
| Farmers | $16 | $1 |
| Travelers | $23 | $8 |
Groton has the most affordable renters insurance in Massachusetts at $12 a month or $146 a year. Dennis Port has the highest rates at $18 a month or $217 a year. Most cities stay close to the state average of $15 a month, with local crime rates and weather risk driving the differences.
| Cambridge | $13 | $156 |
| Dennis Port | $18 | $217 |
| Dorchester | $17 | $200 |
| Groton | $12 | $146 |
| Lowell | $13 | $159 |
| Roxbury Crossing | $17 | $202 |
| Springfield | $17 | $199 |
| Woburn | $12 | $148 |
| Worcester | $14 | $169 |
Lemonade offers the most affordable renters insurance at the highest coverage level, charging $76 a month for $250,000 in personal property coverage and $300,000 in liability. Amica has the cheapest rates for the $50,000 and $100,000 personal property tiers.
| $20K Personal Property / $100K Liability | Safety Insurance | $11 |
| $50K Personal Property / $100K Liability | Amica | $19 |
| $100K Personal Property / $100K Liability | Amica | $31 |
| $250K Personal Property / $300K Liability | Lemonade | $76 |
We recommend starting with $20,000 to $30,000 in personal property coverage for most Massachusetts renters and adjusting up if you own high-end electronics, instruments or jewelry. Moving from $20,000 to $50,000 in coverage adds roughly $7 a month with Amica. For most renters, that is worth it once you do a realistic inventory of what everything would cost to replace today.
Start by knowing your coverage options, estimating your property value and getting quotes from multiple insurers.
Get quotes from multiple insurers. Comparing quotes across companies can surface large price differences. Safety charges $11 a month while Travelers charges $23 for identical $20,000 in coverage. Use MoneyGeek's renters insurance calculator to get a personalized estimate in minutes.
Pairing renters and auto coverage with one insurer cuts 10% to 25% off both premiums. State Farm and Auto-Owners offer bundling discounts that lower your total insurance costs while consolidating your bills.
Higher deductibles reduce your monthly premium but increase what you'll pay when filing claims. Before raising your deductible, confirm your emergency fund can cover the larger out-of-pocket expense if you need to file a claim.
Many discounts are not applied automatically, so ask what you qualify for. Massachusetts insurers offer savings for security systems, smoke detectors, automatic payments and claims-free history. State Farm has a good student discount for renters under 25 with a B average.
If your Massachusetts landlord requires $100,000 in liability coverage, don't stop there. Liability claims from a serious guest injury, like a fall, a dog bite or a kitchen fire that spreads to neighboring units, can easily exceed $100,000 once you add medical bills and legal fees together. Moving from $100,000 to $300,000 in liability coverage usually adds $2 to $5 a month. That is one of the highest-value upgrades you can make for the price.
Massachusetts does not legally require renters insurance, but most landlords do, at least $100,000 in liability coverage. Your actual coverage needs depend on how much your belongings would cost to replace, your lease requirements and whether you own high-value items like jewelry, instruments or photography equipment.
Use our calculator below to find out how much renters insurance you need.
A few situations where we recommend more than a standard policy:
When figuring out how much renters 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.
Clothes, shoes, bags, belts, hats, gloves, etc.
Amica is the strongest all-around pick at $12 a month. It scores highest on customer experience in our analysis and keeps pricing competitive across renter age groups. If price is your only variable, Safety at $11 a month is the floor. If coverage flexibility matters more, The Andover scores highest on coverage options at the same $12 a month as Amica.
Skip Travelers unless you have a specific reason to pay $11 more per month than the cheapest equivalent option. Get at least three quotes, check your lease for the required liability minimum and confirm whether your policy is replacement cost or actual cash value before you sign.
We analyzed Massachusetts renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters across this profile:
Affordability made up 50% of each company's score, with customer satisfaction from industry research accounting for 40% and add-on coverage options contributing the remaining 10%. Companies with the highest combined scores earned spots on our list of Massachusetts's best renters insurance providers.
Amica earns the top spot in our analysis with a MoneyGeek score of 4.9 out of 5. At $12 a month for standard coverage, it balances the highest J.D. Power customer satisfaction score in our dataset with competitive pricing, $3 below the state average. If you want tech-forward claims handling, Lemonade earns a 4.75 and charges the same $12 a month with a highly rated mobile claims app.
Safety Insurance is the cheapest renters insurer in Massachusetts at $11 a month for $20,000 in personal property coverage and $100,000 in liability, $4 below the state average. Vermont Mutual, Amica, Lemonade and The Andover all match Safety at $12 a month. The spread between the cheapest and most expensive option in our dataset is $12 a month for the same coverage, so comparing quotes before you buy makes a real difference.
A standard Massachusetts renters policy covers three things: your personal belongings if damaged or stolen, personal liability if someone is injured in your unit or you damage someone else's property, and additional living expenses, including hotel and meals, if your unit becomes uninhabitable after a covered loss. What it does not cover: flooding, earthquakes and normal wear and tear. If you are in a coastal or low-lying area, ask about separate flood coverage through the National Flood Insurance Program.
Massachusetts does not require renters insurance by state law. Most landlords require at least $100,000 in liability coverage as a lease condition, and many require proof of a full policy before move-in. Check your lease for the exact minimum. Even if your landlord does not ask for it, a policy covers your personal belongings and finances in ways your landlord's building insurance does not.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's 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.
