Popular Questions about Massachusetts Home Insurance

The average cost for Massachusetts home insurance is $1,488 per year, coming in more expensive than the national number of $1,211 annually. Check with a local expert for tailored quotes and discounts on coverage.

Homeowners insurance in Massachusetts will cover a variety of losses. The most common are fire, theft, vandalism, and natural disasters. The limits are customized under the dwelling value, other structures, personal property, liability, medical payments, and additional living expense coverages.

Your Massachusetts homeowners insurance policy will usually have protection for the most reported losses in the area. The top 5 risks for homeowners in Massachusetts are:

  • Severe storms and lightning damage
  • Hurricanes and tropical storms
  • Heavy snow
  • Flooding and water damage
  • Burglary and other property crime

In Massachusetts, homeowners insurance is calculated by carriers using these risk factors:

  • Replacement cost of dwelling
  • Coverages selected
  • Past claims reported
  • Local crime rates
  • Natural disasters in the area

Yes, Massachusetts has 1,291 independent insurance agencies that are ready to help. They do the comparing of policy and rates so that you're getting the best coverage at an affordable price. Working with an independent agent is free, making it super-simple.

There are several carriers you could work with, but some outshine the rest. In Massachusetts, State Auto, Safeco, and Foremost insurance companies are highly rated for competitive pricing and superior claims service. To find which market suits your needs the best, consult with a licensed professional for quotes.

Do You Know What Your Massachusetts Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Acton$1,161$620,9060.5
Amherst$687$356,1171.3
Arlington$1,388$603,9720.3
Auburn$618$255,8931.7
Belmont$1,294$785,5612.9
Beverly$1,243$401,2750.4
Boston$1,117$495,4002.4
Brookline$1,721$817,2030.7
Burlington$812$485,3420.5
Cambridge$1,365$739,8001.3
Chelsea$1,426$333,4812.6
Leominster$1,179$241,1491.5
Lowell$787$252,9002.6
Milton$1,668$553,7460.4
West Springfield$1,176$209,0113.5
Westfield$489$224,6881.3
Weymouth$757$349,4810.7
Worcester$835$216,0004.2
  1. $98
  2. West Springfield, MA Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in West Springfield: $98
  4. Rates in West Springfield vary depending on the size and age of your home, the local crime rate, and several other variables. Your actual premium could be a little more or less than the average. Houses in this area are valued lower than the state average, and this helps keep insurance costs in check.
  5. The burglary rate in this city is in line with national averages. Home invasions are always scary, and burglaries can lead to major frustration. If you come home and find that your big-screen TV is missing, there's only a small chance that the police can track down the criminal and recover your property. Luckily, your home insurance will replace stolen valuables and pay for any property repairs related to break-ins.


  1. $125
  2. Stoughton, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Stoughton: $125
  4. Your home insurance premium could be a little higher or a little lower than the average. It depends on several factors such as when your home was built, what your house is made of, and how much coverage you need. The average home value in this city is a little lower that the state average, and this can help keep insurance rates on par with what most people in the state are paying.
  5. Stoughton's cold winters often bring major snowstorms and frigid temperatures. Frozen pipes can lead to serious water damage, but your homeowners insurance will cover the cost of repairs. Fortunately, burglary rates in this city are relatively low, so that lowers the risk homeowners present to insurance companies.


  1. $105
  2. Haverhill, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Haverhill: $105
  4. Home insurance prices will vary depending on the age of your house, the local crime rate, and the amount of coverage you need.  
  5. Homes in Haverhill are valued a bit lower than the state average. However, the severe storms that are frequent in this area can do major damage to local homes. Lightning poses one of the most worrisome threats, often causing home fires that can quickly blaze out of control. If your house gets hit by lightning, you can file a homeowners insurance claim to have your insurance company cover the cost to rebuild or make repairs.


  1. $119
  2. Malden, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Malden: $119
  4. Your rate could be higher or lower, depending on variables like the crime rate in your neighborhood, the size of your home, and your credit score.
  5. The average house value in this city is slightly higher than the state average. It is important to protect these valuable investments. Wind is a year-round concern for homeowners in Malden. From ice storms to tornadoes, natural disasters are common in this area, and wind can quickly damage your roof or cause falling trees. Your home insurance policy offers protection from wind-related damage and will cover the cost of any related repairs.


  1. $136
  2. Wakefield, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Wakefield: $136
  4. You could pay considerably more or a little less for your home insurance policy. Your rate will depend on several unique variables like your home's square footage and age, the crime in your area, and your claims history.
  5. The value of the average home in Wakefield is significantly higher than the state average, so you may need a lot of coverage. While crime rates are low, Wakefield has frequent ice storms in the winter months. As the ice melts, water begins to run down the side of the home and can seep through a crack in the siding, causing damage to the frame of the house. While it's an invisible problem, water can lead to serious rot and mold over the course of time. Fortunately, this damage is covered by your home insurance plan, so you can file a claim for the cost of repair.


  1. $98
  2. Leominster, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Leominster: $98
  4. Your actual home insurance premium could be significantly higher or lower than the average, based on your home’s location and building materials, your neighborhood crime rates, and a few other variables.
  5. Homes in Leominster are valued lower than average in this state, so your coverage levels may be lower too. Though the burglary rate in this city is lower than the national average, it exceeds the state average. Leominster homeowners should therefore always take precautions to prevent burglaries. Unfortunately, even with the best security measures in place, a break-in could happen to you. If your home is burglarized, you can file a claim and your home insurance will pay to compensate you for your damaged or stolen valuables.


  1. $139
  2. Milton, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Milton: $139
  4. Your home insurance premium could be higher or lower, depending on the crime in your area, your credit score, and your house's characteristics, like square footage and building materials.
  5. Home values in this city are much higher than the state average, so despite the low crime rate in this city, home insurance costs are relatively high. Homeowners need to protect their investments against hazards like water damage and freezing pipes. A dripping faucet doesn't seem like a major problem until it turns into a huge home flood. If your pipes break due to freezing temperatures or faulty plumbing, the water damage can be severe. Fortunately, you are likely to be covered when you file a claim with your Milton home insurance provider.


  1. $119
  2. Revere, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Revere: $119
  4. Home insurance rates are unique for each homeowner, so your actual cost could be higher or lower than this average. Several variables will impact how much you pay, like the size of your home, the local crime rate, and even your credit score, 
  5. Home values in Revere are slightly higher than the average in Massachusetts, and so too is the burglary rate. This can mean relatively high rates for coverage. Of course, it’s important to have coverage against risks such as fire. Whether it begins with an electrical problem or a burner you forgot to turn off, a home fire can quickly turn devastating. If you lose your home in a fire, you can rely on your homeowners insurance to cover the cost of rebuilding and replacing the valuables you lost in the blaze.


  1. $129
  2. Hanover, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Hanover: $129
  4. Keep in mind that Hanover home insurance rates can vary quite a bit, depending on the size of your home, the amount of coverage you are purchasing, and even your credit score. Your premium could therefore be higher or lower than the average.
  5. Although crime rates in this city are very low, home values greatly exceed the state average. You can therefore expect to pay higher rates than most homeowners in the state. Regardless, you need coverage to protect you against damage to your home that may be caused by things like hail. When summer storms come through Hanover, they sometimes deliver large hailstones that can do severe damage to your roof. If a hailstorm causes damage to your home, you can file a claim to have your insurance company cover the cost of repairs.


  1. $95
  2. Holyoke, MA Monthly average home insurance cost
  3. Average monthly cost of home insurance premium in Holyoke: $95
  4. Of course, Holyoke home insurance rates can vary significantly based on factors like the size and location of your house, the crime rate in your ZIP code, and even your credit score.
  5. Home values in this city are much lower than the state average. Unfortunately, the burglary rate is very high. Homeowners insurance can provide you with compensation for loss or damage to your home if you are the victim of a property crime. Be sure to contact the authorities and get a police report, as you will need it when you file your claim.