A homeowners policy remains a core financial safeguard. For our 2025 refresh, we evaluated insurers using multiple lenses: overall customer satisfaction from the latest J.D. Power U.S. Home Insurance Study and Property Claims Satisfaction Study, market-share context from the Insurance Information Institute (NAIC data), financial resilience from AM Best’s U.S. personal lines outlook, and each carrier’s endorsements, discounts and Massachusetts pricing. Based on this approach, Reviews identified the 3 best Massachusetts home insurance companies: Allstate for premium and deductible options, Travelers for endorsements, and Chubb for added perks.

Instead of relying on older snapshots, we pair the latest official benchmark with current market estimates. According to the NAIC average expenditure series, Massachusetts’ statewide average homeowners insurance cost is in the mid–$1,500s (latest available year). Current 2025 rate studies indicate typical premiums around the mid–$1,600s per year for a standard profile, with common ranges of about $1,500–$1,800 depending on coverage limits and deductibles (Bankrate) (NerdWallet). Compare quotes from multiple carriers that write in your ZIP code to find the best available rate.

The 3 Best Homeowners Insurance Companies in Massachusetts

• Allstate: Best Massachusetts Home Insurance for Premium and Deductible Options
• Travelers: Best Massachusetts Home Insurance for Endorsements
• Chubb: Best Massachusetts Home Insurance for Added Perks

Compare the Best Home Insurance Companies in Massachusetts

This comparison table reflects 2021 sample-rate and satisfaction data; for current benchmarks, see the latest J.D. Power U.S. Home Insurance Study and recent market estimates.

*The premium examples shown were derived from Bankrate/Quadrant sample-rate assumptions (commonly a $250,000 dwelling profile) at the time of collection.

**J.D. Power results are reported on a 1,000-point scale; see the latest U.S. Home Insurance Study for current results.

Best Massachusetts Homeowners Insurance Companies

Allstate

This section reflects 2021 data captured at the time; for current satisfaction benchmarks, see the latest J.D. Power study and recent market estimates.

*Data provided by Bankrate.com

**J.D. Power results are reported on a 1,000-point scale; see the latest U.S. Home Insurance Study for current results.

Travelers

This section reflects 2021 data captured at the time; consult the latest J.D. Power study and current market estimates for updated figures.

* Data provided by Bankrate.com

**J.D. Power results are reported on a 1,000-point scale; see the latest U.S. Home Insurance Study for current results.

Chubb

This section reflects 2021 data captured at the time; consult the latest J.D. Power study and current market estimates for updated figures.

*Data provided by Bankrate.com

**J.D. Power results are reported on a 1,000-point scale; see the latest U.S. Home Insurance Study for current results.

Average Cost of Homeowners Insurance in Massachusetts

According to the NAIC’s average expenditure series, the average homeowners insurance expenditure in Massachusetts is in the mid–$1,500s (latest available year), modestly above the U.S. average in the low–$1,400s. Current 2025 market estimates for a standard profile commonly land around the mid–$1,600s per year, with quotes often ranging from about $1,500 to $1,800 depending on coverage assumptions and deductibles (Bankrate) (NerdWallet). Prices continue to feel upward pressure from reconstruction costs, catastrophe and reinsurance trends, and coastal exposure; the Boston-area insurance CPI also shows elevated inflation in recent periods (BLS). Your own rate will vary by ZIP code, home characteristics, claims history and selected options.

Top 3 Cheapest Homeowners Insurance Companies in Massachusetts 

• Cheapest carriers vary by ZIP code and profile in 2025 — recent studies place typical Massachusetts quotes roughly $1,500–$1,800 per year for a standard profile (Bankrate) (NerdWallet).
• Use independent benchmarks to shortlist: the latest J.D. Power U.S. Home Insurance Study (service) and the NAIC Consumer Complaint Index (complaints) can complement your quote comparisons.
• Verify financial strength (e.g., A− or better from AM Best) and ask about discounts and mitigation credits to lower your price.

Top 3 Most Expensive Homeowners Insurance Companies in Massachusetts

• Premiums tend to be higher in coastal or wind‑exposed ZIP codes and for older or complex roofs; larger wind/hurricane deductibles are common in these areas.
• Recent winters underscore loss pressure: U.S. winter storms routinely create multi‑billion‑dollar insured losses (III), and January 2024’s Arctic outbreak produced several billion dollars of insured damage (Aon).
• Broader inflation and reinsurance costs have pushed homeowners rates higher since 2023; the Boston metro’s insurance CPI indicates ongoing upward price pressure (BLS).

Average Premium from Homeowners Insurance Companies in Massachusetts

Using the latest NAIC average expenditure as an official benchmark (mid–$1,500s in Massachusetts) alongside 2025 private rate studies, current typical premiums for a $250,000 dwelling profile tend to be around the mid–$1,600s per year, with quotes commonly ranging from about $1,500 to $1,800 depending on coverage and deductible (Bankrate) (NerdWallet). Always obtain multiple quotes to find the best fit for your home and location.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

The coverage limits in the methodology are as follows:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Common Home Insurance Perils in Massachusetts

Most people living on the East Coast know that hurricane season, nor’easters, and winter storms can be turbulent and cause significant damage and economic loss. Recent data from NOAA’s Billion‑Dollar Disasters and the Insurance Information Institute show that U.S. winter storms and cold waves routinely generate multi‑billion‑dollar insured losses; a severe Arctic outbreak in January 2024 alone produced several billion dollars of insured damage (Aon). Flooding is another peril associated with heavy precipitation, especially for coastal towns, and heavy snowstorms and blizzards can also cause damage across Massachusetts. For longer‑term climate context in the state, see the Environmental Protection Agency.

Add-On Home Insurance Coverage in Massachusetts

In addition to basic coverages, like dwelling and personal property coverage, home insurance companies offer add-ons that fill gaps and support mitigation. In Massachusetts, homeowners should consider purchasing flood insurance — flood is excluded from standard home policies. You can buy a separate policy through the National Flood Insurance Program (NFIP) or the growing private market (FEMA 2024). Other increasingly common endorsements include water backup, service line, equipment breakdown, and personal cyber; some carriers also offer parametric hazard add-ons in select areas.

Homeowners Insurance FAQ

Methodology

We evaluated companies using third-party benchmarks for customer experience and financial stability, plus coverage breadth, endorsements and discounts, to determine strong options for Massachusetts homeowners.

To compare home insurance companies across the board, we considered the following factors:

• Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
• Customer Experience: We reviewed the National Association of Insurance Commissioners’ Consumer Complaint Index and compared each homeowners insurance company’s complaint rating.
• Customer Satisfaction: With J.D. Power’s latest U.S. Home Insurance Study, we assigned a score to each company based on the rating it received.
• Financial Stability: Reviews.com utilized AM Best ratings and outlooks to assign a score based on each home insurance company’s financial stability.
• Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

Rate context: We cite the NAIC’s statewide average expenditure series for historical benchmarking and 2025 private rate studies (e.g., Bankrate, NerdWallet) for current estimates. These are sample figures for comparison only; your quotes may differ.

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Keep Reading

Guide to Homeowners Insurance Coverage

Homeowners Insurance Buyer’s Guide

The Best Companies for Bundling Home and Auto Insurance in 2025