How Much Does Homeowners Insurance Cost in Massachusetts?
Massachusetts pricing is above the national average. Updated for 2024.
Homeowners Insurance Pricing in Massachusetts
In Massachusetts, the average cost for homeowners insurance is $234 per month, which is 30% higher than the national average of $180. Most Massachusetts residents pay between $130 and $455.
Massachusetts has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Massachusetts may be even higher.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Massachusetts vs National Average
What Affects Homeowners Insurance Cost in Massachusetts?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
💡 Tips to Save on Homeowners Insurance in Massachusetts
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.