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6 Best Homeowners Insurance Companies in Massachusetts of 2022

Learn about the best homeowners insurance companies in Massachusetts, with details about average costs, discounts, ratings, and how much coverage you should buy.
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Massachusetts is the site of some of the country's oldest homes, making homeowners insurance a must for every resident of the Bay State.

Homeowners in major cities like Boston and Worcester, college towns like Amherst, and small rural communities such as Ware should all protect themselves with enough homeowners insurance to rebuild their homes.

Weather in Massachusetts can be severe at times, with harsh winter storms and high summer temperatures that can impact homes and surrounding buildings.

No state law in Massachusetts requires homeowners insurance, but lenders require it, and you’ll need to present proof of coverage at your closing.

The average cost of homeowners insurance in Massachusetts is $1,860 per year, which works out to a little over $150 per month–well above the national average.

The good news is that we’ve researched for you to find the best homeowners insurance companies in Massachusetts.

Best Homeowners Insurance Companies in Massachusetts

  • Allstate: Best for Consistent Premiums Over Time
  • Amica: Best for Dividends
  • Travelers: Best Customizable Coverage
  • Quincy Mutual: Best for Affordable Coverage
  • Vermont Mutual: Best Overall Coverage
  • USAA: Best for Military Families

Allstate: Best for Consistent Premiums Over Time

Editors star rating review
Editor's Rating (4.5 Stars out of 5)

Allstate Insurance is one of the best-known and biggest insurance companies in the country and has decades of experience helping Massachusetts homeowners protect their homes.

We chose them for our list because they offer a unique Claim Rateguard that you can add to your policy to prevent increases to your premium after a claim.

We also appreciate Allstate’s informative website that makes it easy to find information and file claims.

Massachusetts homeowners who live near the water should also know that Allstate will facilitate your flood claim if you buy flood insurance through FEMA.

Allstate also has one of the lowest average costs of companies on our list, coming in at a very affordable $905, less than half of the state average.

Read a full Allstate homeowners insurance review.

Allstate Homeowners Insurance Discounts

Allstate offers 8 discounts on Massachusetts homeowners insurance, as follows.

  • Welcome. You’ll save 10% if you switch your policy to Allstate.
  • Claims-free. Reduce your premium if you have no recent homeowners insurance claims.
  • Policy bundling. Buy 2 or more policies with Allstate to save.
  • Early signing. Sign a new Allstate policy at least a week before the expiration date on your old policy to qualify.
  • New homeowner. New homebuyers and people who purchase newly-constructed homes can get this discount.
  • New roof. You can save if you install a new roof on your home.
  • Responsible payer. Pay your premium on time to qualify for this discount.
  • Protective devices. If your home has burglar or fire alarms, you can save.

Allstate Homeowners Insurance Pros & Cons

  • Allstate has one of the most affordable average premiums on our list.
  • There are a total of 8 discounts to help homeowners save.
  • The Claim Rateguard feature means your premium won’t increase if you have a claim.
  • Allstate will facilitate flood claims with FEMA.
  • Allstate’s website is user-friendly and informative.
  • HostAdvantage coverage is available to protect you if you rent or share a home.
  • Endorsements include yard & garden repair and recovery of stolen electronic data, plus an optional digital identity tool.
  • Adding multiple endorsements may increase your total premium.
  • Allstate does not offer replacement cost coverage as the standard option.
How is Allstate Homeowners Insurance Rated?
J.D. Power (out of 1,000)815
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.05

Amica: Best for Dividends

Editors star rating review
Editor's Rating (4 Stars out of 5)

Amica has been providing insurance policies to consumers for over a century and has a good reputation for customer service and support.

We chose Amica for our list because they are one of the only companies that pays dividends to policyholders; you may receive up to 20% of your premium as a dividend each year.

We like Amica for its excellent mobile app and online services, which help to streamline the process of getting quotes.

We also appreciate Amica’s home business protection, something that’s increasingly important in our gig economy.

Amica’s average cost for Massachusetts homeowners insurance is $1,410 per year, which puts it 24% below the state average–and don’t forget those dividends!

Amica Homeowners Insurance Discounts

Amica offers 8 discounts to help reduce the cost of homeowners insurance in Massachusetts.

  • Alarm systems. You can get this discount if your home has burglar or fire alarms or an installed sprinkler system.
  • Autopay. Get a discount if you sign up to make your monthly payments automatically.
  • Automatic detection. If your home has installed devices to monitor for gas or water leaks, you can qualify for this discount.
  • Policy bundling. Buy at least two policies from Amica to save on your premium.
  • Claims-free. You’ll get a break if you go at least 3 years without a homeowners insurance claim.
  • Loyalty. Keep your policy with the same company (even if it’s not Amica) for two or more years to save.
  • Paperless billing. Sign up to receive your monthly bills electronically to get this discount.
  • New/remodeled home. If you buy or build a new home or upgrade your existing home with a new roof, appliances, or HVAC/electrical systems, you can save.

Amica Homeowners Insurance Pros & Cons

  • Amica pays up to 20% of annual premium in dividends to policyholders.
  • There are many endorsements you can use to customize your policy, including protections for home business equipment, credit card fraud, and sump pump failure.
  • There are a total of eight discounts to reduce your homeowners insurance premium.
  • The company has strong customer service ratings.
  • Amica’s mobile app is well-designed and makes it easy to file and track claims.
  • Customizing your policy may lead to higher-than-average costs.
  • Depending on what policy options you choose, you may need to go to an agent to get a quote.
How is Amica Homeowners Insurance Rated?
J.D. Power (out of 1,000)849
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index0.32

Travelers: Best Customizable Coverage

Editors star rating review
Editor's Rating (4 Stars out of 5)

Travelers Insurance issued its first insurance policy more than 160 years ago and is one of the oldest and most respected companies in the United States.

We chose Travelers for our list because they have the best riders and endorsements to allow Massachusetts homeowners to customize their coverage.

Travelers also offers a unique discount that allows homeowners to save if they buy or build a home using green materials.

Travelers’ average cost in Massachusetts is $1,480, more than 20% below the state average.

Travelers Homeowners Insurance Pros & Cons

Travelers Insurance offers up to five homeowners insurance discounts to help Massachusetts homeowners save money.

  • Bundling. You can save up to 12% when purchasing at least four Travelers policies.
  • Claims-free. Get a break on your premium if you’ve never filed a homeowners insurance claim.
  • Green home. If you buy or build a home that’s certified green, you can get a discount.
  • Home buyer. If you purchase a home within one year of switching to Travelers, you can claim this discount.
  • Protective devices. You can get this discount if your home has burglar alarms, fire alarms, smart devices, or a sprinkler system.

Travelers Homeowners Insurance Pros & Cons

  • Travelers gets excellent reviews for its customer service.
  • There are many add-ons available, including water backup protection, sump pump protection, and protection to rebuild with green materials.
  • There is a discount available for homes built with green materials.
  • You’ll need to buy four or more policies to qualify for the policy bundling discount.
  • Travelers mobile app works well on Apple devices, but it should be updated to work as well for Android users.
How is Travelers Insurance Rated?
J.D. Power (out of 1,000)794
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index3.88

Quincy Mutual: Best for Affordable Coverage

Editors star rating review
Editor's Rating (4 Stars out of 5)

The Quincy Mutual Fire Insurance Company got its start in Quincy, Massachusetts, all the way back in 1851.

We selected them for our list because they have the lowest average cost for homeowners insurance in Massachusetts.

We also like that they have maintained an A+ rating from A.M. Best for 50 consecutive years, making them an extremely stable and reliable company.

Quincy Mutual’s average annual cost for Massachusetts homeowners insurance is just $860, less than half the state average.

Quincy Mutual Fire Insurance Discounts

Quincy Mutual offers six potential discounts to Massachusetts homeowners.

  • Account credit. Save up to 30% on homeowners insurance and 12% on auto insurance if you bundle your policies.
  • Alarm credit. You can get a discount if you have smoke detectors, burglar alarms, or a monitored home security system.
  • Loss-free credit. Save up to 5% if you have not had a homeowners insurance claim in three years.
  • Superior construction. Save if your home is built with non-combustible materials.
  • New home discount. Save up to 20% if your home was built in the last 15 years.
  • Home safe credit. Take the Massachusetts Affordable Housing Alliance workshop for homeowners to get a discount.

Quincy Mutual Fire Insurance Pros & Cons

  • Quincy Mutual has the most affordable coverage of any company on our list.
  • The company has received strong marks for its financial strength and service.
  • There are a wide array of add-ons available, including food spoilage, sewer & drain backup, and equipment & service line breakdown coverage.
  • Quotes are not available online and must be obtained through an agent.
How is Quincy Mutual Homeowners Insurance Rated?
A.M. Best - Financial Strength RatingA+

Vermont Mutual: Best Overall Coverage

Editors star rating review
Editor's Rating (4 Stars out of 5)

Vermont Mutual has been protecting residents of the Northeast since 1828, having gotten its start providing fire insurance.

The company has grown a lot since its inception and now has a reputation for excellent customer service and reliable coverage.

We chose them for our list because they offer the best overall coverage when we consider costs and add-ons.

The average annual premium in Massachusetts is just $1,070, almost 43% below the overall average for Massachusetts.

Vermont Mutual Homeowners Insurance Discounts

Unlike the other companies on our list, Vermont Mutual doesn’t have a standard choice of discounts for homeowners insurance, although some local agents may offer discounts.

We’ve included them on our list because even without discounts, their average cost is lower than most companies, and they offer a lot of customization options.

Vermont Mutual Homeowners Insurance Pros & Cons

  • The company has unique endorsements available that include appliance and mechanical system failure, service line repairs, and more.
  • Even without discounts, the average cost of insurance is low.
  • The company has received excellent reviews for its customer support.
  • We wish the company website had more robust information about coverage and claims.
  • Insurance is only available in a few states.
How is Vermont Mutual Homeowners Insurance Rated?
A.M. Best - Financial Strength RatingA+

USAA: Best for Military Families

Editors star rating review
Editor's Rating (5 Stars out of 5)

Despite its relatively small size, Massachusetts is home to six Army and Air Force bases, and many Massachusetts homeowners are in the military.

We chose USAA for our list of the best homeowners insurance companies in Massachusetts because they offer exceptional coverage and discounts to active duty military members and veterans.

We also like that USAA has received excellent ratings for its customer service and provides coverage in all 50 states plus Washington, DC, making it ideal for military families who move frequently.

USAA’s average cost of homeowners insurance in Massachusetts is $1,720, putting it slightly below the state average.

USAA Homeowners Insurance Discounts

USAA offers three discounts for homeowners insurance.

  • Policy bundling. You can save if you bundle your homeowners insurance with auto insurance.
  • Security system. Homeowners with a monitored security system can get this discount.
  • Claims-free. You can claim this discount if you’ve gone five years or more without filing a homeowners insurance claim.

USAA Homeowners Insurance Discounts

  • Replacement cost coverage is standard.
  • USAA has received excellent ratings for its customer support.
  • There are unique coverages for military members, including replacement of damaged military uniforms.
  • There is coverage available for civilians.
  • Local service options are limited.
How is USAA Insurance Rated?
J.D. Power (out of 1,000)882
A.M. Best - Financial Strength RatingA++
NAIC Complaint Index0.88

How We Selected the Best Homeowners Insurance Companies for Massachusetts

Shopping for homeowners insurance can be time-consuming and stressful, with many companies to choose from.

We chose the six companies on this list using these criteria that we believe indicate which companies provide the best coverage for Massachusetts homeowners.

Average Cost

Many factors can impact the cost of homeowners insurance, and the cost is a determining factor for many homeowners in the Bay State.

We made it a point to choose companies that offer good value when compared to the Massachusetts state average.

Read more: How Much Does Homeowners Insurance Cost?


Homeowners insurance discounts can help to reduce the annual cost of homeowner insurance, particularly for homeowners who can layer multiple discounts.

The companies we chose all offer substantial discounts or have costs low enough to justify their inclusion without discounts.


Your homeowners insurance should provide enough coverage to rebuild your home and replace all your belongings if destroyed.

We prioritize insurance carriers that provide top-notch standard coverage plus endorsements and add-ons to customize your policy to suit your needs.

Customer Service

If you have a homeowners insurance claim, it can be stressful, and homeowners want to feel confident that they’ll get the service and support they need.

We selected companies with a strong history of customer service excellence, particularly those that provide multiple avenues of support.


Most of today’s homeowners prefer companies that have implemented technology to improve their service, particularly when it comes to filing claims.

The companies we chose all have informative websites and online support, and many also have free mobile apps for policyholders.

What Factors Affect the Price of Homeowners Insurance?

Many things impact the cost of homeowners insurance, and it’s important to know what they are before you start shopping.

Here are the most important factors that companies use to determine your quote.


Every homeowners insurance policy has a deductible, and you can choose a high or low deductible.

Choosing a low deductible will cost you more on a monthly basis but provide more protection if you have a claim, and the reverse is true if you choose a high deductible.

Policy Limits

The specific amount of coverage you need will depend on the size of your home and other factors, but you’ll need enough coverage to rebuild your home from the ground up and pay to replace your personal belongings.

Living in a high-cost home built with premium materials will result in a higher-than-average premium.

Endorsements and Riders

Standard homeowners policies provide basic coverage for your home and other structures as well as your personal property and liability.

If you customize your coverage with endorsements and riders or opt for a higher personal liability limit, your costs will increase.


Location plays a role in the cost of homeowners insurance because it has an impact on the risk taken by the insurance company.

As a rule, homes that are far from a local fire station, close to a body of water, or in a high crime area cost more to insure.

Read more: Does Homeowners Insurance Cover Fires?

How Much Homeowners Insurance Do You Need?

You can calculate how much coverage you will need by using the estimated cost of rebuilding your home as a starting point.

Here’s how your coverage will break down.

  • Dwelling coverage protects your home and should be high enough to pay to rebuild it from the ground up if it is destroyed.
  • Other structures coverage pays to repair or rebuild any other structures located on your property, including fences, sheds, detached garages, or barns; your coverage should be about 10% of your dwelling coverage.
  • Personal property coverage is what protects your personal belongings and pays to replace them if they’re stolen, damaged, or destroyed; you’ll need between 50% and 70% of your dwelling coverage.
  • Personal liability coverage will protect you if a guest in your home is injured or their property is destroyed; you’ll need between $100,000 and $500,000 of protection.
  • Guest medical coverage reimburses your guests for medical expenses that are related to an injury sustained in your home; in most cases coverage is between $1,000 and $5,000 per guest.
  • Additional living expenses coverage pays for your and other members of your household to stay in a hotel or make other arrangements if your home is not inhabitable after an insured loss; you’ll need about 20% of your dwelling coverage to be safe.

In total, you should have enough coverage to equal twice the cost of rebuilding your home, not counting your personal liability or guest medical coverage.

Remember that these totals don’t take endorsements into account.

What Is and Isn’t Covered by Homeowners Insurance

Every Massachusetts homeowner should know what is and is not covered by homeowners insurance.

Here are the things that you should expect to be covered.

  1. Your house and all other structures on your property.
  2. The personal belongings of you and anybody else who lives in your home.
  3. Damage caused by covered events.
  4. Personal liability related to guest property damage or injuries.
  5. Guest medical expenses.

These things are not covered by a standard homeowners insurance policy.

  • Earthquake damage
  • Flood damage
  • Pest damage & infestation
  • Power failure
  • Neglect
  • Nuclear hazard
  • Government action

The first four items listed above may be remedied with either an additional policy or an endorsement; flood insurance would be an example of the former while pest damage would be an example of the latter.

There is no way to remedy neglect, which is something within your control, or the unlikely events of damage related to a nuclear hazard or government action.


Our goal at PropertyNest is to provide Massachusetts homeowners with all the information and guidance needed to choose the right homeowners policy to protect themselves, their homes, and their families.

As you obtain quotes and compare companies, keep in mind the factors that can impact your costs, including the cost to rebuild your home, the area where you live, and the value of your personal belongings.

We suggest getting a minimum of three quotes to compare costs and coverage before making a decision about which company is right for you.

Make sure to ask about discounts since some companies don’t volunteer that information; you can refer to our list as a reference point.